Hair loss has caused me psychological distress, since I'm female.
I am a bald man.
In females hair loss is supposed to be thinning of the hair, but mine is a bald spot in back of head.  I think bald men are actually "in style."
I can empathize in the physical fact of the bald spot and I sympathize with what I assume is your Alopecia, that stinks big time. 
Yes that's what it is!  Alopecia.  A spot of baldness.  How long have you been bald and does it bother you or no?
My mom's pop was bald as can be and my pop's pop was full head of jet black hair. I started thinning in my early 20's so I take it in stride. Is it treatable?
Most treatments work best to slow down hair loss, rather than regrow hair.  I refuse to wear a wig, though!
All I can say is embrace it. I shave my head.....it doesn't grow on top at all anymore. We all have flaws. I don't blame you at all for refusing a wig.
The Egyptians used a wig to shield their bald heads from the sun.  I don't get sunburned, because I wear hats.
I wear baseball caps all the time. I like that women wear hats.