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MrsCinderella, some agencies work that way and some don't.
Even if an adoption fails, there was always work that was done before that failure. The intake stuff, counseling for the birth family, expenses for the birthmother, paperwork, legal work, matching expenses, etc. The later in the process that the adoption "fails", the more costs mounted up before that time. In 34andhopeful's case, $9,000 of expenses had accumulated before the adoption fell through.
Some agencies require payment for individual things they do, leaving the adoptive parents to pay as they go for whatever is needed, with no guarantee of getting a return on their money in that case. If your match fails to result in a placement, you have to pay the associated costs anyway. But if your first match works out and you adopt that child, you've usually paid less money.
Other agencies combine all adoptive parents into one "risk group" and share out the costs associated with all adoptions that fall through. No one set of adopting parents ends up paying for the costs associated with a match of theirs that didn't happen, but all waiting adopting parents pay more than the cost of a single adoption that goes through.
Hope that explains it for you!
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