Like many things in this hobby, this seems to be a line that can become blurred very easily. I personally enjoy communicating with most of my clients, at the appropriate time. I get a kick out of the type of text the op is referring to, and it's flattering to know I cross your mind on a non-play day. But the flip side of that coin can get pretty tarnished when an ill timed or explicit sexually charged message is involved.
For me it's a matter of setting and respecting boundaries. Knowing the proper time correspond with a gentlemen is important to me. It's also a two way street. If you message a lady during her posted working hours for example, you are more likely to receive a welcoming reply. Where as late night messaging is a no-no and holidays text a BIGGER NO-NO in my book. I don't want to hear from you on Thanksgiving morning when I'm busy stuffing my own bird. Having said that, a text the day before or after a wishing me a nice holiday is perfectly acceptable. My number one pet peeve and a straight line to the DNS list is to psyco-sext me when your less than sober. Not having it!
Now to address your original concern, I think the way the lady responded to you this morning was more about the timing of your text, after all...the rent is due.
It's all about timing Baby.