Hi Op
I am talking from experience,
You Need to believe her about having therapy
Unless she has a tendency for being emotionally manipulative or exaggeration the truth,
Obviously only you know,
I can't help feeling that there is more to this Op Thread,
there is something missing a gap,
I agree she can't use you as Huge ATM cash machine,
But it's obviously she is struggling which is not unausaul at her young age,
I would encourage her to get a part-time job, it would build up her confidence she can still work even though on social benefits,
Also encourage her to take part in numerous volunteering experiences that are out there, she be susprised the wide range of experiences,
that will help to improve her confidence and her cv too,
As I know from personal experiences, social security Agency and potential employers do value volunteering work experiences that a employee can bring to the table,
Be there for her emotionally to help her stand on her two feet, this is a major transition in her life,
even though she is officially classed as a Adult,
I think you need to also put boundaries in place too,
as you have started to do, with her being reckless with finances
Teach her about budgeting properly or tell her about Agencies charities that will help with this life skill,
(if she will not listen or see you at moment
Why not have sometimes mother and daughter pamper sessions too,
As they are a bit fun relaxing too,
Such as treats are,
In college's they have Holistic and beauty Therapies at a reduced cost too