I didn't address the PS directly. So I still would see that as a fair arrangement to pay for their time if they can offer enough expertise in return for the payment. I am always free to either agree to it or simply refuse to pay it, I can pick another therapist that's cheaper if need be.

(That is, if I was still looking for therapy.)

If the issue is that temporarily I cannot pay the rate, due to some unexpected problem coming up, I would expect them to be flexible in negotiating a payment schedule. As far as that would be realistic. Depending on circumstances and all that.

If it's clear that I cannot ever afford to pay that rate again in the foreseeable future, well I don't know about that from experience, but I would probably put that in the "bad luck" category.

I would not expect them to keep seeing me at some much cheaper rate out of sympathy or pity or compassion or any of that. It would feel like the wrong boundaries.

As in, I would feel too obligated for their making an exception for me, I would feel a risk for too much enmeshment, unsaid expectations, resentment or other messy personal drama or whatever. I want none of that in my life, let alone in therapy (if I were to still go to therapy).