This is a rupture when you least need it.
And this is also a) one of the unfortunate things about therapy, its a relationship that involves money, and b) that there wasnt a sufficiently clear communication in the first place. Also what she said was an unclear boundary about 'sometimes she reduces the fee when someone is really working' etc. This is a set up for judgement, she is playing fast and loose with this. There shoule be a rate setthat has nothing to do with the content of what goes on in the therapy hour.
So, its not surprising that this is getting in the way of the actual therapy relationship.
I hope you find whatever you need to get you through this time. And when the time is right, you'll find a way to convey what you need to convey, to her or to anyone else.