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If we assume that it’s useful as a diagnostic tool (very iffy if there), that’s not a bad thing.
There are people who regret transitioning and currently there’s no way to reliably tell which trans kids are actually trans and which have been manipulated or are just in a phase, thus denying early intervention for many. If it could be reasonably reliably tested for, that’s great.
The insurance part is 100% an American issue. Civilized societies have socialized healthcare.
I get the sentiment, but I could use the same arguments against HRT, which isn’t exactly what you want.
Bodily autonomy is fine, as long as it’s not harming anyone (including oneself). If this tool is accurate (again, big if), it could actually increase bodily autonomy, since you could distinguish between real cases and those who really have other problems. That takes the burden of proof away from trans people.
Think about how long it takes today from the first visit at a doctor’s office until actual treatment or legal processes can start. Using diagnostics like this, this could be shrunken down to one MRI.