Bob, you may find it hard to believe, but there are CFIs who will milk a pilot, especially a new or student pilot for hours on end. The forums are full of guys who might have 30 or 40 hours and not soloed or 100 hours and still not be a pilot, Take a look at Bunkies thread below.
Some of it may be attributed to liability or what the CFI claims is his liability. Frankly I have heard of very few successful liability suits against a CFI for a pilot who trained or just did a BFR or as you would say a FR with the CFI, but was not with the CFI after that or for the incident in question. It is easy for the CFI to claim that the pilot needs more dual, "just a few more hours should do it" which is CFI talk for, "another few weeks and I can make that new car down payment".Would one sue a CFI when the lawyer fees probably amount to more than the CFIs net worth. And of course,many if not most CFIs may be honest, but there is nothing that would promote more honesty if the CFI had a financial incentative to get the student to the end of the training sooner rather than later which is the situation now.
And most of all, I don't want "Tarfu" to get with someone who wants to spend much time, at $50 per hour making a big point about what we should call a "Flight Review" that is due every 2 years.
By the way, what do you call the airplane inspection and service that is due every year for non rental private planes?
And you can learn something about flying every day,though I am not sure how much worth it is. I just flew Aspen to Boulder today, nice CAVU, light turbulence at 13,500 smooth at 15,500 and all that time I mistakenly thought I would be needed a BRF this winter. Imperfect knowledge or not, the flight seemed to go pretty well, and landed safely.