What Makes a Multiple Relationship Unethical?

Must agree or disagree or both to the discussion below from a student
What makes a multiple relationship unethical? According to the APA code of ethics (n.d.), as long as the relationship does not impair the psychologist's objectivity, competence, or effectiveness and does not risk exploitation or harm of the patient, then the dual relationship is considered ethical. If a therapist were to accept a friend, family member, or business associate as a client, this would be an example of a dual relationship. The same principle applies if a therapist and client have a community-based relationship—regularly encountering each other outside of the clinical setting within their community. This intersection of relationships is tough to avoid in small communities (Schank et al., 2010). In small communities, the therapist has to continually adapt to their role depending on what is necessary for the situation—professional, personal, social—and the longer the therapist works in their community, the higher the potential for dual relationships to become established (Schank et al., 2010).
It may become unavoidable, having conflict within professional and personal circles when providing services in a small community. The grey area is an issue when the therapist encourages or chooses multiple relationships, especially when clear boundaries have not been established in the therapeutic relationship. Before deciding to enter into a dual relationship, the therapist should go through ethical decision-making and ask themselves if they foresee the relationship being beneficial in a year and if the potential of harm is higher than the reward of the dual relationship. Younggren & Gottlieb (2004) provide several examples of questions that should be asked when considering dual relationships. What cross-cultural differences may be impacting the expectations of the client or their needs. Will the dual relationship negatively impact the treatment plan? Will engaging in this dual relationship impact the trust the client has in the therapist or the trust the public has in the profession?
An example of a multiple relationship that I am aware of in my private life that Dr. Soble mentioned in this week's lecture (n.d.) is the psychologist who works for my husband's unit. This psychologist is a DOD employee first yet serves the active-duty members, and their dependents, in a therapeutic capacity. However, the active-duty members are fully aware of this multiple relationship's impacts on their career and often choose to see therapists in private pay situations. In this case, the clients' expectations, special operations airmen, are regularly in conflict with the psychologist's obligations to the department of defense. The psychologist has an unprecedented amount of leeway in breaching confidentiality by involving higher-ranking officers when they perceive an issue. This may have negative consequences on the career of the AFSOC airman. I can personally account for more than five AFSOC individuals who have yet to disclose their struggles with PTSD because to do so would mean removal from their career field, which would negatively impact their retirement package. This situation is also why non-DOD social workers and therapists often make themselves available to these units. The confidentiality of the active-duty service member is more protected, and they have access to resources they need, nor will their situation be disclosed to their chain of command unless deemed necessary because their or others' safety is at risk.