My experience in therapy is limited to childhood trauma, so I can really only speak to that. My sense is that most trauma-based therapists understand that a patients finances will change over time and accept this from the outset. Therapeutic issues like trauma span years and years, and the damage done to a patient by dropping them because they can't pay full price can be immeasurable. I knew an older therapist that retired, but kept seeing her existing patients for years afterwards for this very reason.

I don't think that high trauma patients are trying to exploit the therapist or being selfish or inconsiderate, and my guess is that most of them truly agonize over having to ask the T for a financial break. It goes against everything their abuse taught them about themselves, i.e., they aren't worthy of love and care. A good therapist not only absorbs the financial change, but uses this as a therapeutic tool to help the patient understand his/her value and worthiness of care.

For these T, this is a calling, not a career. It's how they make a living, but I think most of them do it for far deeper reasons.