It's simply way easier to make progress in therapy if you like your therapist and feel like he/she understands you. And once you have a therapist like that, why would you want to change?

As far as transference, I would say that everyone experiences that to some degree or another. When find yourself getting irritated with your spouse because something she or he said reminds you of your mother, that's transference. It's just more obvious in therapy because you really don't know much about your therapist...so it's easier to attribute emotions and traits to them that aren't really there.

And being able to directly understand and address the transference in therapy can really help you be able to resolve issues with people in your real life. And that is the opposite of not taking responsibility for your own mental health.