No one seems to have asked the obvious question "Is the FI getting the money?"
all well and good banging on about him driving from X to Y to monitor you from the ground and de-breif you, if thats what he does fine, however if he has just singed you off to do touch and go's at your leisure with a max 10kt x-wind and is not getting paid at all for it its a rip off.
it also i am guessing would stop you paying for more practice because its costing too much to not have a guy sat next to you and you might as well just crack on and try to finish fast rather than enjoy learning.