T's aren't in it for the money; most don't make that much, actually. The insurance companies don't pay what they charge and, if they're on their own and don't take insurance, they have to pay rent/mortgage on an office, which is just as expensive as a home with phone systems and sometimes a secretary/bookkeeper, etc. It's a small business and I don't know anyone who gets that wealthy with a really small business like that. They have to pay taxes on that too, remember.

But T's are there to do therapy; anything less is like saying a lawyer wouldn't mind just sitting in a law office or a doctor, in a doctor's office, etc. without doing any legal work/medicine. The reason they became T's was the T-work! They're not high-priced friends/buddies/gurus. If you want that, buy a "coach" http://www.lifecoach.com/