You did not mention for how long you have been in therapy, but it sounds like it's been a while. I am inclined to think that a competent, ethical professional would have taught you the skills necessary to have friendly intellectual conversations with people you encounter in real life, without the need of paying those people any money.

You sure have the right to stop therapy whenever you want, but can it ever be the case that a psychologist uses his knowledge of psychology to make the patient believe that he or she needs the psychologist more than he or she really needs it? Or can it be the case that the psychologist does not try hard enough to help the patient understand his or her problems so the patient can achieve independence? Cases of psychologists who use their knowledge of psychology to prey on vulnerable patients abound, like when a male psychologist seduces an emotionally unstable female patient. Of course, most psychologists are genuinely nice people and wouldn't do anything like that, but this discussion does not concern psychologists who are ethical and competent.