Hi,
I am a daycare provider and yours is clearly taking advantage of your good nature. You are paying her for an important service and she is not coming through.
Here are a few suggestions;
1. Find another one. When interviewing,ask the provider if there is someone available in her absense. If not, move on. Any good daycare should have someone available in case of emergency, because anything can happen.
2. Find a back up daycare that accepts drop-ins. Tell your provider that in the future you will be deducting the amount that you have to pay any other person to care for your daughter during her normal daycare hours. I would be willing to be that she will change her tune.
I hope these suggestions help
D.