Another interpretation besides T is trying to "trap" you into staying (not claiming I know better than you, but I think it's worth telling her directly what you think).

Maybe she is trying to whittle down your excuse that you can't afford therapy. I suspect that if you said you wanted to quit therapy because you have made the progress that you want to, she wouldn't try to "trap" you into staying (although maybe she would be honest if she thinks you might still benefit from therapy).

But when I hear you say you can't go to therapy because the hospital bills must be paid, and the hospital (who will be fine with you eeking out your payments over the years, and they can certainly wait) is more important than what you want for yourself, I think she's right to challenge you on whether you really can't afford therapy, or why what you need and want isn't as important as paying the hospital or satisfying someone else's ideas of how you should spend your money. It seems to me that saying you can't afford therapy is just shorthand for saying you can't afford you, that "I can't afford it" is an excuse for denying yourself, which I am not a big fan of doing.

I think she's calling b.s. on your reason for it. It seems to me that you work really hard and have a lot of responsibilities at home and take very little for yourself. It sounds to me like she thinks you deserve more.

Is it T who is really making you feel trapped, or the situation you find yourself in?