I was always against meds. I just thought I liked to drink and was depressed, then just felt overly confident. Well, that lasted until I was about 30 when I was diagnosed.
I was horrified at the thought of having to take meds every day, I mean, I was always healthy. I didn't want to be sick. In my mind, it could be cured, I just had to try really hard.
I was so disappointed when I found out that isn't the case.
I never had anyone in my life, before my diag, that even mentioned bipolar. It was always, why are you so depressed, you have so much going for you.
I had gotten money from a settlement and instead of buying a car, I splurged on DVD players, Video games, a big TV, etc. I didn't know that all that spending was a problem. *sigh*
I never had anyone there to help me and I think the fact that you have been there for her says a lot, but at some point you just have to let her know that her behavior is not OK and she needs help.
You can't MAKE her go, but you can help by just making your boundaries very clear. Eventually, I think she will go.
Good luck.