I agree with skyscrapermeow. You are only 3 sessions in. What you expressed sounds like classic resistance which your therapist should be able to withstand. The very fact you are there shows you recognise you are in need of some type of assistance, and it's not even like you flat out said no, you said you don't know, but are skeptical, which seems perfectly reasonable to me.
Part of the therapists job is to accept you for who you are. Part of the issue you are presenting is that you feel (by your own admission) you don't make the best of the opportunities life affords you. That is your presenting issue, and she's effectively saying "why don't you repeat this pattern from your past, reject help and just leave? "
That is not her job as a therapist. She should be validating your doubts, helping you to identify why this pattern occurs in your life and help you to find ways to change it, starting with the therapeutic relationship.
You are only three sessions in; have you considered shopping around for a more competent one?