I do know what you're saying, and that was part of the reason I resisted attachment and out of session contact etc for quite a long time.

But recently, for me, the money did stop. I had a sudden death in the family and I thought I would need to take over the long term care of a young relative as a result (like fostering although it is for a relative). So I would have to prioritise that financially and it would mean no more therapy. Also I managed to fall out with my T at that time just because it was an emotional time for me.

I told T I wasn't coming any more and explained why. T said he didn't think it was a good idea to stop suddenly and offered to see me for 6 months for free.

In the end there was another solution for my young relative, and I have continued therapy with me paying. But in that emergency situation, although I didn't mean to, I kind of tested T and learned that the caring would not stop if the money stopped.