I know you said it doesn't matter, but please, PLEASE give us some sort of indication she has bipolar disorder! You say you've done research, but you're speaking to those of us who actually live it. While everyone presents differently, yes, there are still certain things we all share in common! So far it just sounds like she suffered from substance abuse. Has she ever experienced mania, hypomania, depression, a mixed episode?
You say you've done research. You should know what they are.
Crippling fear of change does NOT indicate bipolar disorder on its own.
Does she speak to her therapist about this fear of change she has? And why does she have it if you'll be taking care of her?