i agree with stopdog that it seems she pulls out the money thing and throws it at you. it seems she does it to give you a guilt trip when she doesn't like your behavior. while i generally think your T means well i don't find her very professional. i'd probably find a new T and pay her back. if she feels she is bending over backwards that is her issue and her lack of boundaries that she needs to deal with in her own therapy--not with you! you are not responsible for her lack of boundaries.