Willing, just needed the friction removed.

Very likely to pay, and able to pay in full. He recognizes the therapy, has a card on file, and shows no hardship signals. The only real barrier is that a text from a name he doesn't know can read as spam.

Downside if wrong. Worst case if an inferred signal is wrong: one text sent at a suboptimal hour. No account is escalated, dunned, or charged based on an inference. 2 of 13 signals below are inferred; the rest are observed.