If I had done good work with her in the past I would probably try going back to her.
The money thing doesn't worry me, just because I see the relationship as a transaction. I pay for my therapists time. I would not choose to see my T if she didn't receive her fair dues for the transaction. She owes me absolutely nothing for free.
The psychiatrist thing doesn't bother me. It would be entirely up to me if I went for that or not. My T could approve or disapprove all she wants. I don't pay her for her approval.
The caring is separate. I would want a T that cared, at least somewhat. But caring is separate from the money issue. Ts are not paid to care. They are paid for their time and their knowledge. Caring or not caring is entirely unrelated to the payment for their time, and not seeing you because of you not paying is not evidence of a lack of care, but a lack of equality in the relationship. Clients get their allotted time and their Ts expertise, and the T gets financially compensated for that. That's the equalizer.

I see most people here say they wouldn't go back to your T. So I guess I am in the minority here. But I just couldn't even imagine expecting T to see me for free. I just couldn't do it. I most certainly wouldn't ask, and I don't think I could bring myself to accept it should it be offered.