I do think money is also a part of it because just like everybody else they need to provide food, shelter, etc. Long term T ofren said she wished she could afford to just do her work for free. She hates the money part of it. She also took all the insurances in our area except Medicaid. That was only because of all the rules and regulations not about the financial issues. The state I live in has very few people who can afford to pay out of pocket for therapy and the reimbursement rate from private insurance is quite low. My insurance is in the bottom 2 of what "they" will pay. I say they because I have a fairly high deductable so I pay it.