Is a bad T better than no T at all? I think it's not, he/she can do a lot of harm:/

However, you are correlating good/bad with the money they charge. I don't think its that easy. I went to a very well-known (and unbelievably expensive) T and he was a very, very bad fit for me- I know ppl that swear by him but to me he did far more harm than good:/ I shopped around and ended up with a great T (for me) and he is very affordable.

Plus there are sliding scales/discounts some Ts offer you might be eligible for...