I don't know that I've ever canceled, but I have had to reschedule on very short notice because of medical things. It was an ongoing thing that I had talked about with my T, so it made sense to briefly tell her what I was doing, especially since the incredibly short notice would have been pretty uncool without explaining.

Art, based on your Dear T post, it sounds like you feel like you need to justify canceling to your T, which I think is a different matter entirely. She just shouldn't be able to claim that kind of power over you. Your budget, your schedule, your decisions. Her comment about taking credit cards (implying you should spend money you don't have) strikes me as a bit gross. This seems like a perfect situation to practice setting a firm boundary and sticking to it. Go back when you can afford it, if you want to. Don't apologize for making responsible financial choices.