You should take a look at the work being done by the Harvard Program in Refugee Trauma,
http://www.hprt-cambridge.org, especially their Master's Certificate in Global Mental Health course. (I think that's what it's called. Their Web site seems to be down at the moment, so I can't check, but if that's not right, it's something very close to that.) It's not a course you'd be able to enroll in until you've got a graduate degree and a few years of experience, but the course description, and the rest of their Web site, will give you an idea of some of the options available for those interested in doing that kind of work.
My knowledge of the subject is fairly limited, but my impression is that in working with refugees abroad, the role of clinical psychologists and others with advanced degrees is largely in program development, especially training local paraprofessionals in treating trauma and related issues. As you note, it's partially a question of money; it's also due to the sheer numbers involved. Individual therapy is, unfortunately, simply not practical on that scale.
One of the founders of HPRT, Richard F. Mollica, M.D., has written an excellent book discussing some of the issues involved in treating refugees; it's called "Healing Invisible Wounds: Paths to Hope and Recovery in a Violent World", and I *highly* recommend it to anyone who's interested in the subject. There's also an interesting article by Inger Agger, Ph.D., called "Reducing Trauma During Ethno-Political Conflict: A Personal Account of Psycho-Social Work Under War Conditions in Bosnia", in the book "Peace, Conflict, and Violence: Peace Psychology for the 21st Century" (eds. D. J. Christie, R. V. Wagner, and D. D. Winter), which offers some valuable insight into the topic. The book is available on the Web, at
http://academic.marion.ohio-state.edu/dchristie/Peace%20Psychology%20Book.html; the Agger article is Chapter 20.
