I had a psychiatrist tell me he'd keep seeing me weekly until he gets bored of me.

Unfortunately, the ethical implications of this would be troubling. Refunds would have the effect of reinforcing whatever the patient did that session. If doing or making up wild stuff is what gets you a free session, some people are going to realize that. If other patients catch wind of one person getting a refund, they may end up doing and saying wilder things, too. Patients' best interests would take a backseat to the entertainment of the therapist, and that's pretty messed up if you think about it.

Yeah, ethical therapy person gotta ruin the fun. Sorry guys. But there is potential in a refund model. It could go far if it's used to reward positive things, like putting the most effort into working out an issue, or making the most personal growth over a period of time.

whenever someone suggests therapy, i think about how little i already trust regular doctors and all the horror stories about therapists

Why would she say no she doesn't hear it all the time, and then say it's in the top 5 things she hears? I'm sure i must be misreading this somehow