Your daughter actually isn't wrong about the psychology of it. I read a really good essay about anxiety that leads to school refusal first, but then the world gradually gets smaller and smaller as anxiety gets bigger, first they stop school, then social events, then leaving the house, then the bedroom. The anxiety does, unfortunately, get worse if it isn't faced and coping mechanisms learned.
But unfortunately that means catching it, before the anxiety is big enough to cause school refusal, and it often isn't.
My son is ADHD and I don't think he has wanted to go to school a day in his life! (He copes ok once there as he likes learning and has had wonderful teachers, but he never wants to go) A few days he has pleaded with me to let him have a day off "just this once" and I am actually not against a rare mental health day, BUT I know my son, he thrives on routine and very clear, consistent boundaries if I set the precedent that we can have a day off cos we just feel like we can't today...then every day would then become even more of a battle.
I have worked with children for 20yrs and started a degree in child studies and psychology when my eldest started school, and I went through school myself with undiagnosed ADHD, so I have always understood not to set that precedent with him and yet I still felt an immense amount of mum guilt In those moments, so I imagine that is where is starts for many parents. "What's the harm in letting them miss one day" ...
The majority of these kids will be ADHD or autistic and exhausted from masking. Some might be being bullied or struggling academically.
I went through a stage during a levels of just signing myself out to go the "the dentist" (bonus of having braces and the 90's school system) and at one point I didn't go to any of my classes for about 2 weeks cos of just couldn't make myself get out of bed to face it. No one questioned me!! cos I had been a "good student" my whole life.
It's a complicated issue and all kids are different. For some yes, having very firm boundaries so they know that school is not in any way optional, will be enough to stop it becoming an issue, for others being forced to go day after day, will just lead to extreme burn out and you will get school refusal no matter how firm your boundaries are (which is why I, who does make my son go, still rolls my eyes at those like the poster who says they would "just make them go" implying force rather than firm boundaries delivered with love, understanding and empathy!)