The longer you keep seeing someone you don't want to see, the harder it will be to change and the more damage you can do to yourself/your thinking by hanging on to this one.

I would terminate with this T and "start over" with myself and what I want in a T and how often, etc.: I'd spend some time thinking and studying and make a plan I liked, maybe start a savings account to help with fees, or get a credit card I could write checks on, etc. Instead of making a list of what you do-not-like/why you left this T, I would make a list of what you do want in a T and share it with the new ones you interview with to help you choose one.