I totally understand how you feel, it's like she offered something really lovely and it really helped enhanced your trust in the relationship and then the next week she was all cold and businesslike. Yuck.

I wonder tho... my experience is a lot of therapists aren't comfortable with the money side of things, like they feel guilty when you hand over your session fee. I wonder if she was uncomfortable having that conversation and that's why she came across so matter of fact? Another reason could be your own discomfort of the subject matter made you view what she was saying as shaming, or it could be both things!! Or none of that. You'll only know if you speak to her.
I think she is right to be very clear about her expectations and the contract of reduced fees because it definitely makes things easier for both client and therapist to be on the same page. And she did say a lot of it she didn't think applied to you as in she had faith you'd be fair and honest about needing the reduced fee.