I'm not sure if you wanted answers from people whose therapy was not terminated by the T. I've ended therapy twice for natural reasons (felt I was ready to be done and was, at least for 15 years).

But if a T raised the issue with me that they didn't feel competent to treat me, I would appreciate the honesty and see it as a good reason to find someone else. Not saying that is the right thing from any perspective, just what I would do.