I think this is very wrong, and almost irresponsible.
Without your hair, you will earn less money. Fewer people will do business with you (fewer investors, fewer contracts, fewer business partners). You will be paid less as an employee for the same work. You will be passed over for leadership positions.
Fewer people will be friends with you. People will want to spend less time with you. You will not be invited to the same or as many parties as other people. Strangers on the street will look at you with pity and disgust. Children will shame you.
No matter how inherently talented, intelligent, and hard-working you are, this will seep into every aspect of your life and rob you of success. It is a crippling disfigurement.
And so, there are entire sections of the female population that won't touch you with a ten foot pole. Considering how painfully this impacts a persons life, they are right to do so. It is a travesty of evolution that male-pattern baldness exists.
There currently isn't a way to re-grow lost hair. You have to do everything you can to keep what you have. The medication you mention, finasteride, might have sexual side effects, but for most people it doesn't. It's almost irrelevant if it does, because you won't have much of a sex life if you lose your hair. I wish I could have afforded it when I was young. If you can, go see a doctor at the first sign of hair loss. It's all you can do.
If I hadn't lost my hair in my early twenties, I know that I would have been able to find romantic love, and have a better career. It is the single worst thing that has ever happened to me, and not a day goes by that I don't consider killing myself. It has made me less than human.