It sounds to me like your T had poor boundaries, over extended herself and ended up frustrated with the added burden of unpaid bills and missed appointments. I agree with you that her comment about motivation was very insensitive and inappropriate, but u think it may have been driven by frustration and a little anger than by greed. That is on her however, since as the T she is the one responsible for not letting these things build up. I see my providers at a group practice and if you don't give 48 hours/ don't show up the pooch is to charge the full hourly rate, which can end up as much as $265 or more depending on who you see. There are always exceptions to the rule if you talk to your T about it, but if it happens more than a couple of times or is a regular occurance they'll auto bull your cars or just terminate you until you pay. It's not the nicest policy but it does prevent clients form racking up a large balance, which only creates a lot f tension or worse between you and your T. They aren't going to feel great about texting, emailing and taking calls on top of regular sessions if they aren't getting paid. I don't take it personally, since I can liken it to any professional relationship or even personal ones. If I asked my friend who is a lawyer for legal advice all the time or to help me with legal matters pro bono on a regular basis, it would become problematic for her. There has to be boundaries in place so we don't just in order to protect ourselves from over extendig outselves and feeling taken advantage of. I think this is why she suggeste the DBT group- it would provide the extra support you need.