@Almas_NW0 , I think the problem he faces is more complex then you put it. One thing is the banned person who went by Janey wasn't exactly the best advocate for HRT, giving some people unfounded fears of it's effects. I didn't believe her, but that's because I have a inbuilt bullshit detector, so I knew she's talking crap as soon as she started showing her real face. But others might not have, and she tried to basically groom people into becoming a twisted soul like herself. Then the second reason is
@Pls_NW-1 may be so comfortable is his masculinity that he does not want any feminizing effects. Something hard to understand for people like us, due to dysphoria in my case, and to aesthetic priorities in your case.
But never the less, there is truth to your words that inaction is bad. That is why I recommended
@Pls_NW-1 to do everything he can to fight his hair loss. Others here have recommended many treatments. If they fail he could always try a small non feminizing dose of topical Estradiol gel on his hair. But that's his decision to make, nobodies else. If he feels his health is stopping him, it's his choice.
But to be honest, I had a similar mindset to him in my teens, naturalism to be precise. It was forced on me by my environment, so called "friends" and family members. Some of them were convinced they were well meaning but it ruined years of my life. All I'm trying to say by this is, I hope he doesn't regret his decision later. I thought I could live with baldness, but no, I cannot. If he can then good for him, but I hope he really thinks it through.
@Pls_NW-1 you may think you'll be ok with it now in your teens, but wait until the 20s hit. And early baldness is something that really hits people hard, so I'll repeat this again : Do everything you can with treatments you find acceptable to fight your hair loss!
I wish you luck