My T feels that there needs to be a partnership between therapist and client for therapy to be successful, and I agree. If I could do it by myself, I would, and save myself a bunch of money.

But I can't. I also can't walk in and sit there with my arms folded, not saying much and avoiding eye contact, and expect him to magically "fix me". (Oh but I wish this was true sometimes!!)
I believe therapy happens through the r/s - two people, talking, being human, making mistakes, working thru ruptures, etc. That's why I'm trying to answer CE's question about what happens when stuff gets dumped on the T and never resolved. The T gets blamed for the failure, and the client doesn't figure out what their part in the rupture is. So therapy fails. At least with that particular T.