Usually clients have to (for legal protection) fill out a ton of forms during intake. This is where all of my doctors, Therapists, etc. mentioned their "missed appointment policy" and you have to sign, signifying you agree and understand. Do you remember reading such a thing? I know it's easy to forget because there are usually so many pages to read and fill out. Bring it up with him during the next session. You'll feel better knowing his stance on the matter. It probably won't hurt to mention money is an issue for you as well. Always keep your T "in the know" and it is likely they will somehow work with you.

The way I see it, Saturday is still 48 hours (give or take) from your appointment on Monday. We cannot predict the future and usually do not know or expect an emergency, or something of higher priority to come up over the weekend. As for the appointment missed due to fear of the discussion matter, I would personally pay whatever fee necessary for a situation like that.