I think payment for service like therapy is paying for the time spent in the office. If she spent the time with you, you owe her the money. Out at breakfast the other morning they messed up my omelet (forgot to omit the tomatoes and add the spinach). I told my server about it but specifically said I wasn't looking for a reduced fee. I got one anyway. I think when clients make complaints, T's take action. Once my T missed a session, and she gave me a free co pay at the next one. Not necessary but appreciated. Obviously it wasn't only about the money for you or you'd have taken the check.

I think it's perfectly fine to complain to your T about anything that isn't right for you. But to move forward, I wonder if it might be useful for you to spend some time discussion what this is really about. Why don't you pay her full fee if you can afford it? Why do you think she shouldn't be paid more? What does this say about how you value time from your therapist and/or other people?

It seems to me that you often say something about how you are treated by other people, family, friends, and your T. Like it is never enough for you. Is that something to work on? I think the money issue is just standing in front of something larger.