((((MKAC))))
nothing you wrote sounds unreasonable to me ...
yes, as you wrote ... logically what he said might make sense and isn't personal ...
but personally, it sucks and it hurts ... and financial stuff is just so .... i don't even have the words to describe it properly, but so very difficult on so many levels when it gets in the way of our therapy; and when a T doesn't "get it" or give the words to help... it hurts all the more