Like anything else in life that needs to be paid for, therapy requires the client to work or otherwise find the funding for it. I think that mental health care should be just like dental and medical care, and single payer in the U.S. Small co-pay for the client. So I don't think, in an ideal system, that a client would run out of money for therapy. But I don't see my participation in therapy as with a "caring/attachment figure", that's not why I go to therapy, so I would no more expect free therapy than I would expect free massages, acupuncture, or other kinds of bodywork that I pay for out of pocket.