I voted "just" (1) due to the therapist's baggage and (3) because the therapist was incompetent.

With any other business professional those wouldn't be such a problem for me. I can watch out for a carpenter's incompetence and put up with, or not, their emotional issues. Even an attorney or doctor. But in a "relationship" with a therapist those issues can be very damaging to the emotional trust which is, supposedly, part of what therapy is trying to address. When it doesn't work it's just more trauma which I don't have very good resources to deal with because of the unhealed original trauma. That is not sane. But it is also not sane for the profession to rely on individual therapists who reject us when we are so much further retraumatized that we are hard to deal with. That's not an individual therapist's fault but it definitely is a systematic one, and nobody in the profession is taking any responsibility for looking at effects of the system as a whole.