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My conclusion: if you don't trust that your dentist has your best interests at heart, you need to ask them about it or find another dentist.
What you need is a relationship with your dentist. You need to trust the dentist's diagnosis and you need to trust the dentist's motives. You need to be able to let the dentist diagnose your problems and recommend treatment, but also you need to be able to let the dentist know what your financial limitations are.