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The terms of the therapy contract are a way of maintaining boundaries. The contract doesn't say '48 hours notice unless you usually attend and we have been working together for an extended period of time'. You have agreed to the terms and she has kept to the contract.
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Not all therapists seem to have the intention of imposing a penalty on people through these policies. Some may use a cancellation policy as a general guide to deter cancellations, then only bill people who abuse it.
I noticed that people often interchange acting like an *** hole and imposing a boundary (not here in particular, but anywhere). Someone gets in a car accident on the way to therapy and gets a bill in the mail for no-showing, or someone can't make it to session because a loved one died..then gets a bill in the mail. That would be incredibly callous, which is much different than upholding some kind of healthy boundary. This behavior can be very harmful to someone; anyone.
Healthy boundaries are often flexible, not rigid and unforgiving.