I don't think a Tdoc can force you to do anything. As far as the checking account is concerned your T probably feels that it is the best solution, however if you are NOT willing to do that then this may be an issue he cannot help you with. This doesn't mean he can't help you with other things. Are you expecting an ultimatum? You have a right to create boundaries of your own and one may be , T can't tell you what to do financially. You should discuss this with T as they may be feeling like they are banging their head against a brick wall, as its frustrating to help people who won't take logical action.