Yes, you're right, I was being unfair to therapists there; nobody offers money back guarantees for services.
That said, I find it kind of repulsive how therapist imply you WILL get better if you just put in the time (ie, give them a lot of money). I've seen plenty of therapists, I've NEVER had a therapist terminate me because I wasn't getting better, even though I never got better with any therapist no matter how long I´d seen them. It seems most therapist will happily cash your checks in perpetuity unless you become a problem (suicidal), in which case many therapists will find a way to drop you like a hot potato.
But if you actually do care about research instead of soaking clients for money, there was a paper that showed that therapy usually starts working after a relatively short time period (maybe 2 months?) [edit: if its going to work at all], so I'd counsel people to stop seeing a therapist if they're not seeing any benefit from it--a piece of advice nobody you are paying for advice is likely to give you and at least try a different therapist if not a different approach entirely.
Anyway, my anecdotal or lived experience (depending on if you want to devalue it or value it) is that I only got better when I disassociated myself from the mental health care system. The mental health system CAN do an amazing amount of harm, even unintentionally, and I don't see a lot of therapist even aware of the possibility.