I think it’s easy to blame her and say she should want to get better and to go see a specialist etc, or that she’s got loads of money and time to help her, but if you’re someone who’s spent at least a decade in therapy with multiple mental health problems and the therapist is validating all of your feelings, not suggesting long term treatments but just remedies when the triggers happen, not pushing you to try new things, even suggesting they’ve reached as far as their relationship can go, then the person seeing that therapist is going to trust what the professional is saying.
Maybe at some point a lightbulb moment would happen of seeking something different, but the therapist could be making it more debilitating, if you’ve gone from having a problem that you’ve sought help for and they’re convincing you they’re helping when they’re not then it could become a problem of “omg I have to live like this forever, there’s nothing that will make this problem go away”. It’s really medical malpractice because even if the therapist is suggesting long term solutions and Zoe’s been rejecting them for years, then she should be suggesting Zoe sees someone else that can help her instead of continually taking her money.