Let's assume that you recently cracked your egg. You then had a period of intense focus on this realization. You came out to friends, you explored things typically associated with your newfound gender identity (such as clothes), and you reveled in how this made you feel. You were confident that you want to transition.
Cut forward a few weeks. The novelty has worn off and getting access to medical care is so slow. Also you're not out everywhere yet (e.g. work), so you still get addressed with your old pronouns and name constantly. Thinking or talking about yourself trips you up all the time, because you keep misgendering yourself. Your chosen pronouns and name still feel nice but also like a reminder of who you aren't "yet". You feel tired.
You start to ask yourself if you're really trans or if it was just the novelty of it all. If all of this is worth it. But at the same time you'd still press a magic button that gives you the body you dream of in a heartbeat.
How would you deal with this?
My artist always insisted on cash payments. Maybe for that reason?