unless you actually have a plan in place they usually aren't actually allowed to hold you against your will like that

like if they ask if you have suicidal thoughts and you say yes they'll ask if you have a plan in place or an idea about how you'd do it - thats the part you say no to even if you do

Unlikely. Maybe if you call your therapist repeatedly at 3 am threatening to do it but not just talking about it. Suicidal ideation is much more common than people think and is not the same as being actively suicidal. A decent therapist usually knows the difference. I have had suicidal ideation for YEARS ….AND I have easy access to a very definitive method of suicide….and I’ve been in therapy for years and talk about it openly. The only time I was ever kept against my will was when I basically set everything up for the suicide,then got scared bc I wasn’t 100% sure I wanted to die but I was 100% sure I would be dead in a few hours if someone didn’t do something. I told someone who drove me to the ER. Even at the ER if I had the chance to change my mind ( not sure what would have happened then) but didn’t bc I knew if I went home I would kill myself that night. I did get stuck there for a few days which were largely useless but got me through the impulse to die safely. It did cost though I am lucky to have insurance. But It’s not as if the moment you mention suicide you are involuntarily committed, at least not in any of the US states I have lived in

>cost of $50,000

Damn where do you live that it costs so much.