"...there's a big risk."
If a SW said that to me....automatic out.
I agree, just tell her that you don't want to continue. You don't even need to explain. If she gives you objections & says it's a bad idea, you can use this technique: just let her know you understand and appreciate what she's saying, but then just repeat that you've decided you don't wish to continue. Just keep repeating and repeating your point until you can gracefully say "good-bye."
Example:
Social Worker: But if you quit seeing me, there's a big risk.
You: Maybe so. But I've thought about it, and I've decided to stop coming.
Social Worker: I don't think this is a good decision.
You: Well, you could be right. I'll find out. (smile). But like I said, right now I've decided not to come here anymore.
Social Worker: I really want you to reconsider.
You: I've done a lot of thinking, and believe me, I'll keep thinking about it. It's always an option. But for right now, I've decided I won't be coming anymore.
Hope this helps,
Jenny
Don't worry, they'll find work with someone else. ;) I would do like you said, just tell her that you don't want to go any further.