Like everything else, I am sure there are some who do abuse the situation while others do not. I know when I have had financial concerns T has always told me that money will never be an issue for her. She is there for me whatever happens (hubby was laid off and we though was going to lose insurance or when hubby was out sick and money was tight so my copay potentially was an issue). On the other hand in college when I was unable to pay for it I was dropped. She was an awesome T but she also depended on paying clients to pay her bills. Just like I wouldn't go into a store and be upset because I could not afford to pay for my groceries so I had to leave them; I couldn't be upset with a T who was unable to do free sessions.