I went through a process where I evaluated if I was still getting good out it - along with the difficult experience of transference.
I did this self-check about once a month. I always felt like I was progressing, learning, even with the challenge of feeling guilty or ashamed of my erotic feelings. I was a petulant teen about my parental transference. I was just fine with the feelings about him that were like friendship - so good, why leave?

I think that my therapist was ethically responsible for dealing with the situation because he was the trained professional. I realized that he wasn't equipped but I wasn't able to separate from him (that's the transference!). If he had referred me to another therapist, I cannot say if I would have been angry or happy.

I can tell you that therapy done WITHOUT the challenge of erotic transference is mighty simpler and so much more enjoyable.