I am an independent contractor/consultant. I pay for my own supplies, my own insurance, full social security taxes, etc. I also charge a lot for my time to compensate for this - so I do get it. However, I don't charge my clients for time spent surfing the internet, getting lunch, daydreaming, etc. And, if I make a mistake (because "I'm only human"), I fix it - free of charge.

If I am paying a therapist for one hour of his or her time, I expect that to be my time. I actually set the bar pretty low - I don't expect them to fawn on me or to agree with everything I say - but I do expect them to be on time and to be fully present for that one hour.