I don´t think most therapists are playing with or using the clients feelings in order to get them to dependable upon therapy but I do think it´s completely wrong of a therapist to let people enter into therapy knowing their lack of own funding and the impossibility to complete a treatment.

The emotional bond is crucial to get something really good out of therapy and if you feel connected to the therapist (in a plathonic way) he or she has done his or her work properly. But of course some T:s will see their chance getting some more money if they can, telling the client the issues aren´t completely dealt with but I think these situations are rare.

The largest fault being made in all these situations with clients having little or no money to pay for therapy is letting them into therapy at the first place. Perhaps this sounds odd but I think it´s better telling the client to address some publically financed care where there´s no fee at all or a very small fee. As a client you will probably have to wait for a longer time to get into therapy as many people are seeking care but when you finally enter you have a much more stable relationship with your therapist. (given that you feel the T is the right one for you).