That does sound frustrating...I would definitely address this concern with her. I know you stated that you can't see how your current feelings toward your present situation relate to the past and how you would feel this way regardless of your childhood hardships, but is it possible your T could be seeing something you don't? She does have a completely different perspective because she is an outsider looking in, which makes it easier to connect the dots or see things at face value. It's just a thought...it really could be anything. That's why it would help to talk to her.

If you decide to discuss this matter, it may be helpful to ask her about her intended therapeutic approach. Based on discussions I have had with my therapist, and how she would draw diagrams and make lists to help explain, I presume she subscribes to the idea that everything I am feeling now and all of my current issues root from experiences from infancy through age 3. If I completely disagreed with that theory and saw zero truth/logic in it, it would obviously be best to find a new therapist.
In the end, you are paying for this service and you don't have to sit there and accept/listen to things that don't resonate with you or theories/approaches that are not helpful to you.

Good luck.