Deli,
I thought you said you were financially strapped and couldn't afford to move out of your current living situation? But here you say that you intended to pay the whole $200 fee? How could you do that? I was thinking that perhaps austin-T was trying to help you be able to move out of your current living situation by making sure that therapy was not a barrier to being able to afford to make the changes. If you have enough saved for therapy, and you don't have to pay for therapy, then you would have money to pay for something else.

I don't know about the dual relationship. I don't think i would feel comfortable working for my T in exchange for sessions. Maybe it could work, but the dual relationship does seem awkward and might interfere with your therapy.