I don't have a problem with therapists being paid, frankly I think the transaction aspect is the only honest part of this dishonest business. But if a client can't pay for whatever reason the therapist doesn't get to guilt-trip you into paying for another session you can't afford. What if this is money you're using to pay your rent? or your groceries? This is super gross. You see the therapist when you can afford paying her (or if she has agreed to be paid at a later date) so in that regard I think it's a massive red flag from her.