I fully understood the OPs intention in his post and fully agree.
Prior to receiving my PPL, I was instructed by 7 instructors.
At first, I flew with whoever was available, those 4 were near perfect. 3 became airline captains, the other has an airport named for him.
The next was a different airport, poorly run, terrible safety atmosphere, no preflight required before flying, and I went to another airport for my next lesson.
New airport, the instructor owned the plane, and was very qualified and safety conscience. If the drive had not been too long, I would have done my licence with him.
Next instructor, excellent, went well beyond the minimum requirements, and check ride was a breeze. I flew additional time with him developing my instrument skills, not logable, he was a plain CFI, but did have an Instrument rating, plus a lot of Instrument flight time.
Started my Commercial and Instrument, the first instructor was a dunce, I knew how to fly instrument better than he, we were in disagreement repeatedly, and I asked for a different instructor. He was let go for failing his Instrument Instructor check ride for the 3rd time, and I got a new instructor. Again, problems, I think because he had more students than he wanted, so another instructor, similar problem, a third, still overworked, did not want another student. Next, a ride with the manager of the school. We got along fine, and he assigned me to a newly hired instructor, we hit it off from the start, and I passed both check rides first try, no issues.
As the OP said, student pilots should take responsibility for their training, and walk away from any instructor or school the is careless or bypasses any regulations that the student has learned from reading the regulations. The student should read the appropriate texts, and try to understand them.
I walked away from every unsatisfactory instructor I flew with, and received each of my certificates at near minimum time. Time with a poor instructor is wasted time and money.
7 excellent instructor, 5 bad ones, plus the manager. I demand good instruction, and look until I find it. Note that some of those instructors may have been 'good', but were not willing to give me good instruction.