If you call "... I get therapists having their own stuff going on. ..." part of that acknowledgment she's a human being, you're right. You did do just that; albeit a half-*** job of doing so.

I understand why you're indignant over the money part. I would be, too. I can also relate to having to make a drive to see your therapist as I'm in the same boat. Although, it's only an hour for me.

When all is said and done, I think you're being overly harsh on your therapist, that's all. if there is something you don't like the dynamic of your therapeutic relationship with your provider, have you tried speaking up about it? Something along the lines of "Can you please stop doing that? It gives me the impression you aren't listening to me." Or maybe, "Is what is going on with you lately? Are you okay? You seem distracted or off recently." (And yes, I know you're rebuttal to this is going to be something along the lines "it's not about her, it's about me" but it is a two way street and it may lead to understanding of what's happening. It's also good practice for people who are emotionally dead on the inside like myself.)

In any case, best of luck. I hope things get better for you.