Unless you get your PhD than absolutely.
Completely wrong. The key question is what does a person want to do as a career. IF a person wants to be a licensed therapist and provide therapy services in an outpatient or inpatient setting then an undergraduate degree in pyschology would prepare you well for a Masters degree in: Psychology, Social Work, Marriage and Family Counseling (to name a few). After you gets those Masters degree and serve a two year supervised you take a State Board exam and become licensed if you pass. That will get you a private practice or a career working for somebody else with an average starting pay in Louisiana of around $50K.
This is just one scenario. And, in this scenario a PhD would not even be needed. PhD's in Psychology are generally needed for person's wishing to pursue a career in teaching at the college level or conducting reseach.