All I could really think of here is (and I have no knowledge of how the system works in the USA) maybe she has a lot of clients that are on this SCA thing? At first I thought "well a 15 minute phone call, filling out a form and a 10 minute phonecall each month isn't a huge deal", but then I thought to myself "what if she has 40 clients she has to do this for?". Maybe she wasn't thinking in terms of not wanting to put you on the SCA thing, but it was more along the lines of "oh no, more paperwork and phonecalls". IE it wasn't about you, it was just a bit of "uhhhgg paperwork".

Either way, its not your problem and an upfront conversation would probably do the trick to clear the air. I know it will feel a bit akward but in these situations I usually just go in and blurt it out before I have a chance to censor myself, lol. Embarrassing, but I get the answers to my questions! The not knowing is the worst bit.