Punishing her depression by chasing it away or cutting off contact with the outside world (by picking up her phone / car) will only further isolate her and remove the structure and support in her life that could get her through these huge changes. You need to sit down with her and discuss how she feels, what she wants (does she really want to be in school or is she struggling to find a purpose in it?) And how she can get along. feel more invested in your life. For now, stop charging rent and set terms based on her recovery and what she wants: for example, she can continue to live at home, rent-free, for x duration ONLY if she receives weekly therapy, joins a support group, continues to work and do household chores, and takes a college course or two. If she works hard enough to afford it, you could put the laptop and insurance in her name and make her responsible for paying those bills directly (i.e. not paying you) – that would give her a little more autonomy and would start to instill in him the habit of paying attention when bills are due and suffer the consequences when they are not paid on time. But the thought of you taking them away from her or driving her out of the house – it’s a punitive thought that will only drive her deeper into that black hole instead of offering her a lifeline out of it. Once she’s at a point where she’s more engaged in her life, you can discuss new terms that involve greater financial responsibility.