She also said that she cannot continue with this arrangement after my surgery (
This might be just me. I'm wondering what, exactly, she meant by that. For a start, there's a big difference, at least to me, between 'can't' and 'won't'. In your situation, I'd what to know which of those she means. If there is some sort of reason, totally beyond her control, that prevents her from charging what ever she wants to, that's one thing. And a REAL thing. But, if she has some sort of line she refuses to cross, price-wise, to me, that's something different. It means something about HER, and, in your situation, it's something I'd want to know.
You mentioned in your opening post that she said she's not one to leave a client hanging, with unfinished business. And that she charges what she does so she can give people a break when needed. And that she's even done work for free, on occasion. All of that sounds very good, and commendable. At this point, I guess I'd like to ask her if she meant all of that. And, if she did, does the current situation with you mean that she thinks you're fine and good to proceed into the future without her help? Or that she thinks you have more financial resources than you do? Or what?
I don't know that it pays to argue about any of that, but I'd like to. Another approach, which has kind of been mentioned, would be to use the next 3 sessions to help you deal with the surgery, but I'd also explain to her right now that her proposal is beyond your means and you'd like to know if there's any other T's she'd recommend, and ask for help making the transition. Figuring out what you actually can afford, for sure, is smart. And, you can always make a proposal. based on that.
Money makes things complicated for a lot of people. I am self employed and have a fair number of clients. There are times when, if I like someone, and I know they don't have much money, I have a hard time charging them as much for my work as what I know 'the going rate' to be. I usually give them a break, and that actually IS what I'd like to do. I consider it a fringe benefit of being self employed. But, sometimes it's hard to stand up and ask for what is reasonable too. The line between 'clients' and 'friends' gets blurry and that's sometimes a problem. But I'm not a therapist, there aren't the same kind of rules on boundaries and relationships in my profession as in hers.
I guess what I'm trying to say is that the therapeutic relationship seems complicated, to me, because it FEELS like a personal relationship, but it's really a professional one. I'm totally sure there are personal aspects to it, on both sides. I say that because I have clients I really like and clients I find quite annoying. I'm sure a therapist faces the same thing. And, if you like someone, it's hard not to let some of that filter into the relationship. Maybe it's even an asset when it does. At least sometimes. But then, there are situations like this one, where it gets rather complicated.
I'll quit rambling now! But, I'm sorry this has come up, and continues to be a problem, especially with surgery on the horizon. (You still did good, and you're doing your best now too. Good practice! ?)