She is risk averse. Holds on to guy A while searching for guy B, then holds on to guy B while searching for guy C, etc. She does not risk being alone for awhile. There are many women like her. Would not take the risk of being alone and must ensure a continuity of guys with overlaps like protective buffer.

It does not sound like an issue she has and must work through. It sounds like that is just the way she is. Her philosophy is to be safe.

From your description of who you are and what you want, it sounds like she is not a good fit for you.

37 is not that old - you will find someone and still have children of your own.