I am glad that I have never had any of those experiences with my T's. One pdoc insisted upon full payment of what my insurance did not cover at the start of my 15 minutes. I was afraid not to give it to her as it was at the height of the era where one was accused of being non-compliant if you did not do as the good doctor told you too. It was the last of the money I had in the bank until payday. I quite going to the pdoc shortly after that because I had to eat and pay rent. Then of course I was non-compliant because I stopped pdoc. I had a choice to make. I choose to pay rent and stay out of my moms abusive household. And of course my time with bill paying ate up my time with my clinician so I felt short-changed and bullied.