A therapist doesn't have to answer every question, but only those that they judge will advance the therapy. They can always say it doesn't matter what I think; why are you interested in what I think; I think many things are possible, what do you think the possibilities are; I don't know enough to say; they can ignore the question and ask you something different, etc.

If for example a therapist had a negative opinion about a client's clothes, and the client said what do you think of what I am wearing, in my opinion the therapist absolutely must not share that negative opinion.(And imo even if they liked the clothes they still shouldn't judge!)

So if your T were to say "Well you asked" then she is blaming the victim. If she did that I would see it as falling under what you said above, she isn't developed enough as a therapist. A therapist of all people shouldn't be hurtful, and shouldn't blame a client for the hurtful words of the therapist.