When I first saw my therapist, he told me that he wanted to see me every week. I had no idea people went to therapy every week! (It was my first time in therapy.) So I said something to the effect that I wasn't sure I could afford it. And he said that he hoped I would talk with him if that was the case. But after meeting with him a couple of times, I knew I wanted to go and that I could manage to pay his fees. So I never mentioned it again. But I liked knowing that if I suddenly had financial difficulties I could talk to him. I expect a lot of therapists would try to make some kind of arrangements based on need. But I expect they wouldn't suggest it up-front.

Sid