Oh that would be weird than:
A- its like she's not listening- you feel your house is dirty? Well lets take it as a truth (like a friend would not like a T should- I.e. its her never being clean- so common in CSA survivors...)and because you're poor lets give you a vacuum cleaner.
B you don't need to feel more in debt to her- you don't need to go for her sake. Its NOT therapy if you do.

I'd return it. Thank her, say I don't need it, don't want to take it. Say why I was talking about my "dirty" house and try to explore why I feel like I can't leave her even though I really want to.