I am here to set your mind at ease and tell you that bowing a horse’s legs with polo wraps would be very, very hard to do! Actually, impossible, since it’s a bandage bow, not a true bowed tendon, which is when the tendon itself is hyper-extended. To get a serious bandage bow the person would have to put them on so tight that I feel like any sane person would realize that was wrong, although maybe I am being overly optimistic. 
horsegurl, I’m glad you are having a better time of it!
As for the general debate over having a trainer or not, the best pros in the world have trainers. We all have different needs as riders, as do our horses, and some people just need eyes on the ground while others benefit from a trainer putting buttons on their horse, or giving it a refresher course or whatever. There are certainly a lot of programs that don’t produce capable riders and instead create dependency in their clients, but no one has to be in that sort of program! If you don’t like it, find a different trainer. If the ones in your discipline aren’t useful to you, try a different pool (I am a jumper who rides with eventers and it’s great).
I don’t care what other people do, who they ride with, what sort of program they are in. I have seen plenty of people who really, really could benefit from a trainer, or a better one than the one they have, but that’s their problem, not mine. I am glad I have a comprehensive education and I consider myself a horseman, but I’m not going to be snotty if someone else has less education than I do; there are plenty of people who have a lot more than me!
I know that I do best with the help of a trainer and I find it incredibly useful that the people I train with now are high level competitors who improve my horse when they ride him. That also helps them understand what I am feeling from my horse, so my lessons are about helping me and my horse improve as a team. I make most of the decisions about my horse’s vet and farrier care and so on, but I have trainers to ask if I need more help. That works for me, but if someone else has different needs or appreciates a more structured, hand-holding program, that’s their business.