It depends on the degree of your questioning, and how often you do it. A 5-minute conversation is one thing, but I've had people who won't buy sessions with me because they say they can't afford it, and then hit me up every single day they're in the gym for help.
And it's true, ask any good trainer or coach, it's hard to get specific without spending some time with someone. And that time is probably going to cost money. Look at guys who are fantastic at what they do - Dave Tate, Louie Simmons, etc. They won't just write out workouts, even for a fee, without spending time with you, because they don't know what you need until they see you in action. Not everybody is just trying to take your money - like someone said before, it can be potentially irresponsible to adjust your program without seeing for sure what needs to be adjusted.