Geesh. I've seen this type of thing over and over again. Therapists after their money and otherwise not invested whatsoever in the person seeking therapy.
There are some very lazy therapists out there.
As for the "mmm" and that's it results, I can pay a person on the street $10 an hour to "mmm" and nod at me.
Yes, find a new therapist. Good for you. You have to shop around, and it can be a very expensive test run.
Yes, you have to pay her, else have it on your credit report.