Does it run in your family?   I have a few friends with thinning hair in their 20s, it's a bummer but to embrace it is to start accepting it and make peace with it, they live with it and have dealt with it by cutting it short.  Hair is a part of you, but not all of you. You're taking care of what you have and that's miles better than anything a lard sack is doing. You can always move somewhere perma-fall like, like San Francisco where you can get away with wearing some kind of hat all year round.