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Pharmafag here. First, OP is right but what OP doesn't know is that finasteride is much worse than many think. I'm not even going to get into the retards (or shilling Jews) who claim Fin would be harmless.
Contrary to common belief, Testosterone is not the main male acting hormone but DHT. Apart from its virilizating effects and its effects on muscles (mainly type 2 fibres), DHT and its metabolites! (via 3a-hsd) are important neurosteroids. Two very important neurosteroids are Alopregnanalone and 3a-Androstanediol, both of which bind to the GABA receptors and are crucuial for mood and aggressiveness. DHT also plays a big role in vasodilatation which is why so many Finfags have trouble getting their dick up.
Another retarded misbelief is that bald people have higher DHT levels. Not true. It's just that their androgen receptors are incredibly sensitive.