“Perhaps the experience of being unable to resist removes the responsibility and allows freedom to experience.”
I think you are right about this.
Not sure about the psychology of other women or other restraint fantasies, but for me, I think restraint does two things: 1. Absolves me of any responsibility/guilt about my kinky desires and frees me to just experience, and 2. Because of the physical restraints I can/have to simply lay back and just feel sensations without thinking I have to reciprocate. So either way, it's just freeing. Weird I know.
I fantasize about being told by the doctor that he is going to test my responses, but I keep closing my legs, so the only solution is to strap my legs into the stirrups, or to the table so I can't close them. He then tests my responses until I orgasm multiple times. Even better if he has an assistant or student with him to watch and practice on me as well. For me, the helplessness is key. Since I can't do anything, I am free to enjoy the euphoria of coming over and over again, or conversely of being brought to the edge of orgasm and then left to beg.
Hubs has done this for me once and it was pure ecstasy. It's not his thing though, and is a lot of effort and time consuming to him so we haven't done it again. But I would love to expand it to other fantasies, and if I ever went to a play doctor, I would want it, eventually. The medical fantasy = a trustworthy setting in my mind, but for a real-life play doctor I'd need to establish trust first. Or bring my own chaperone/assistant, lol.