When my DDs started going out on their own more with friends, both of them admitted to being quite nervous about interacting with "strangers" (shop assistants, baristas, waiting staff etc.).
I thought (to myself) that it was a bit odd, as they are both fairly confident and outgoing, but each of them felt inexplicably anxious about the possibility of being "forced" into a situation where they would need to speak to someone in a shop/café etc.
I wondered if it was as a result of the isolation during Covid, but speaking to other parents of similarly aged teens, it appears to be fairly common.
I suspect it could be because a lot of their interactions are online, rather than face to face, so they simply haven't had the practice that we would have had at their age.
They've just had to get used to it by practising, there have been a few occasions where I've prepped them via a bit of role play for something like returning something for a refund, and that has helped to build their confidence. I wonder if something like that might help your DD, OP?
IYANBU, I would expect a 14 year old to do some basic tasks around the house, and to use a bit of initiative if they see Mum struggling, particularly as you don't seem to be expecting too much from her. I would definitely spend some time building her confidence in going out and about though, it's for her own benefit (although having an extra pair of hands available to pop to the shops wouldn't hurt!)