Can't afford a psychologist and insurance won't cover it, even under my extended plan. And they're not going to do a sliding scale (or they're going to feel pretty cheated) when they find out my father has a whole bunch of money and is just choosing not to give that money to me for therapy. Imagine you're a psychologist and you have a client who's paying half your normal rate but wears Burberry coats and talks about going swimming in the indoor pool at her father's house. Not a very fair situation to put the psychologist in; they would feel taken advantage of, I think.