Maybe I’m in the minority here but I really want to pay my therapist. It’s what keeps the relationship clean. Otherwise I’d owe her in other ways. I do not want emotional reciprocity or guilt in that relationship. And you cannot pay someone to care. They either care or they don’t. You pay for their time and their skill set.

Whether and to what extent they need the money doesn’t figure into my calculation (though I might have feelings about it). If I couldn’t pay and my T wouldn’t accommodate me I’d feel devastated. But that doesn’t mean the T is doing something wrong.