The distinction is the emotional and relational aspect I think. We don't expect our dentists to care for us. but we expect our therapists to understand and feel some emotional obligation to us at least.
Your feelings aren't wrong at all. I know I would feel the same way in the same situation. It really is awful and I am so sorry this has happened. Emotionally I totally get that sense that your T IS somehow responsible because she cares about you and you guys have this relationship that is REAL.
It's a hard situation because both sides are "right" but they are opposites so its hard for us to wrap our brains around.
In the therapy relationship our therapist really DO have a duty of care towards us.
AND the therapist actually doesn't have a duty of (financial) care for us (or the therapists family takes precedence over us or whatever).
But both things are true. The fact that she truly and reasonably doesn't owe you financial responsibilty in the circumstances does not negate the emotional and relational bond you have in your therapy.
I think its just one of those cases where opposing realities actually both are true even though logically it doesn't seem right.
Your feelings are justified. They are real.
Even though in this case she really isn't responsibile.