P.B. Short of non-payment, vandalism or some kind of extreme incessant primal screaming, I'd place blame 100 percent on the therapist's irresponsibility and failure. If they decide they lack the skills to help a client it's their mandate to follow through with a smooth transition to another provider if the client feels she needs it.

I only know you from online, but experience you as consistently respectful, communicative, thoughtful and level-headed. You seem like a lovely person anyone would be lucky to have as a client.