Charging $200 per hour is the unreasonable bit in all of this. Do these therapists think their words are golden nuggets?

Therapy work is not like other business. It is work which involves our hearts and deepest vulnerabilities. The idea that she would invoke a cancellation clause with such little regard for your circumstances amidst local devastation is distasteful and mercenary. I don't think you are being unreasonable, I think you are hurting.