Sarah, with all due respect, you don't know anything about this woman.

You know that she has some training in mental health. That will include a basic understanding of "true problems". Her work in the clinic will flesh out that basic understanding and colour it with the experiences of the patients she's worked with, and that others have told her about.

One doesn't have to experience "true problems" to understand them enough to be empathetic, supportive, or have ideas on treatment and coping mechanisms.

Additionally, the fact that she is married, has pets, an apartment in a popular and/or expensive area of town - these are not exclusive of "true problems". Her apparent privilege doesn't mean that she has always had that privilege - you don't know what her life has been like, whether she has always had this level of relative wealth and stability, etc. I hope for the sake of her patients that if she has experienced mental illness, she is in treatment and remission, but you should know that it is very possible to be severely mentally ill and be extremely high functioning.

I am extremely high functioning. I have clawed my way up to a small amount of privilege, and I am very ill (but I don't look it). To you, I would look like her, and your assumptions are offensive. Not unusual - most people make similar assumptions. But they're still offensive.