Idk about this- when the money stopped for me in a combination of crises last year, my T told me that under his code of ethics, because of medical need, it would be unethical for him to halt treatment due to my inability to pay. I gather there are many ways to interpret ethics systems but this was my experience. We lowered the rate and for several months I saw him on credit calculated at the new reduced rate. Some of the accrued amount was paid back in installments whenever I was able, some of it was forgiven. I still see him at the reduced rate.

Regardless- I have no issue with becoming attached to a person I pay (and have been on the receiving end of people paying me becoming attached as well) but to each their own I suppose.