I'll pile on to say that I disagree completely with your therapist. There are diagnostic criteria for depression, and they don't include things like "can't get out of bed." I function quite well (married, employed, responsible for a household and pets, have friends, etc) but I have struggled with depressive episodes my whole life. Just because you can force yourself to do things doesn't mean your suffering doesn't matter.

People call persistent depressive disorder a "milder" form of depression, but it can still destroy your life if left untreated because it just keeps going on. Maybe check out some online screening tools if you're interested in a potential diagnosis. I really don't think you're a loser, but I do think that's the kind of logic a depressed brain would use.