Awe S, sweetie... I so wanted this semester in Italy to work out for you. You do have much power in this situation. If ur homesick or think coming back to States will stabilize you best, then by all means yes come home next flight. But if u can think of ways to stay and make it work, if that's what u really want, speak up for urself. I suppose I think u need to know what u really want, and then firmly speak up for urself. T and pdoc will always be on cautious side, that's their job, they worry about liability. You've got some issues to work on with ur mom. Conversation or communication could happen where u say ... "I feel really happy when you call to check on me, spend time on the phone with me....." Whatever it is that you could clearly tell her would help you right now.
Regarding the way it is when people have a lot of money, they become more scared of "being without", just the sucky way it works in society. But there are magical people who can break that mold and not live in fear of scarcity, and do very good things with their money.
Anyway, I really hope you can have this situation turn out how you want.