I vote for working out what your problem with your therapist so that you can talk to her about the things you need to talk about. That is what therapy is all about, and don't worry about sounding crazy. Therapists have heard plenty of stuff before. It's her job to help you with that stuff, not to be your friend. Sometimes chat is okay to help you to develop a trusting relationship, but it doesn't change that the therapist is there to help you with your problems. It's okay if you talk to her in your mind too (I do that too), but keep that straight so you don't think you told her something when you only did in your mind (I think I get confused that way sometimes). Conversation in your mind, as long as you know you are generating it, just means you are learning to trust her and open up to her.