So, why are you going to therapy, if you believe it is too late to see any change whatsoever?

You hold a lot of limiting beliefs (e.g. I don't have any skills"... "I can't take small social steps") and it seems this is what your therapist was drawing to your attention. If you already believe you are incapable and that it is too late for anything to change then yes, simply talking is a waste of your time and money.

As your T rightly said, talking will not solve anything because *she* can't take these steps for you - *you* are the one who will have to push yourself and make these small changes.