She's not progressing in life because you've, as well as her parents, have never forced her to progress and be an adult.

You say she's shy about spending your money, but she's been happy to allow you to pay for everything. She even went to the extent to hide the fact you're paying for everything to her parents just so she can take her parents money. In reality, she's not shy about spending your money. You've continued to pay for her even after she quits jobs, drops out of school, and "half asses it" at whatever hobby she was allegedly trying to make profitable.

You've only really got a couple options; tell her she needs to start contributing financially or break up if you feel you're not compatible.