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I'm in the USA. I have amazing insurance that costs me ~ $80 USD a month, and has no deductibles.
I am bipolar. I spent 2 decades in therapy on and off, misdiagnosed, and on the incorrect meds.
(Even with my misdiagnosis, I was still making regular appointments with my primary to try and manage my medication.) It's only within the past 3 years that I have had this amazing insurance, so I've only just recently, within the past 2 years, been able to find a psychiatrist, instead of trying to cobble together mental health care via a social worker/psychologist and my primary doctor. I meet with my psychiatrist and have 30 minute sessions as frequently as 2x a month, or as infrequently 1x every 8 weeks. If I'm feeling off or having uncontrolled mood swings, the first thing I am doing is calling my psychiatrist. My fiance has come up in sessions for the past 4 months.
My fiance has diagnosed anxiety disorder, AND refuses to take the medication that manages it. (The theme here is that she doesn't seem to be interested in managing her mental health.)
I'm 10 years older than my fiance. From the beginning I was concerned about a power dynamic and leaning towards not getting into a relationship with her. From the beginning I insisted that she continue to pay her lot rent and maintain her financial obligations with respect to her own house. She moved in with me, I am the only person that signed the lease where we live, so I take full responsibility for finances where we are living now. We agreed that if things go south she would go back to her place she co-owns with her mom.
I know that she doesn't want to share a space with her mom. (In her defense, I wouldn't want to live with her mother either.)
I agree with you. You aren't wrong. There is a piece of me that thinks, if she isn't willing to get help, or try to learn and grow, I don't want to do this. I haven't fallen out of love with her, but without addressing what is going on in a meaningful way, that will be the outcome. That's when the band-aid will get ripped.