Hi, Rebecca. No, you are not alone. There are many self-payers here. I had to self pay for my VSG & I DO have insurance. My insurance will cover WLS, but my BMI was not high enough & I didn't have enough co-morbids to qualify. I wasn't willing to wait until I got even heavier & sicker, so DH busted his ass to get the money for me to have surgery. We ended up taking out a personal loan for a small amount of it & DH's OT pay covered the rest.
I know you are considering the LapBand (as I did in the beginning) but before you make up your mind, please research all the other options available. I'm not trying to talk you out of the band, but I want you to be completely confident in your choice of WLS.