Have your therapists focused on the economic arrangement? Mine haven't. For example, my current T talked about payment only at our first session (setting the frame). He told me he had found it worked best if the client paid him at the beginning of each session, so that's what I do, and that cash or check is fine. We've never had to discuss it since. The focus of therapy is on the relationship and healing. I think if you don't want to reflect on the payment, then don't bring up that topic. If your T keeps bringing it up, maybe you could share your feelings on that and ask that those money discussions not take up so much time.