What I find that is so sad about this is that it is (again) the client who figures this out, and does something about the unethical relationship. But look who is going to hurt the most now? Things went way beyond boundaries and for a long time. T's like this make me really feel sick. Have you thought about turning her in for her behavior? (or abuse) T's like this take a need a client has and uses it to gratify their own needs.
I wish you the best of luck, I am still trying to recover from a non ethical T, two years later, it is HARD. I would find a new T to work all of this out, it might get rough. I find your T's behavior deeply disturbing.