Just the opposite - my T told me in my first session, after I asked, that she thought I'd need more than 20 sessions. In my last session (#17), we discussed this more - my T told me that she thinks it takes about a year to really develop a secure and trusting relationship.

That's bad from a financial standpoint, but now that I'm trusting my T more, the prospect of spending at least 8 more months with her is rather appealing.
Don't let your T rush you,
Dazed & Confused - I went to a T for depression several years ago, and she cut me off after 9 sessions. I just let it happen, I figured that I was feeling better, and that was that. But in reality, my depression had lifted enough for me to function in a more normal fashion, but we never got into the issues of why I was depressed in the first place.