Understanding her fears and her motives may help, but until she can get past whatever it is that is holding her back, your relationship does not have much of a chance. With therapy or whatever else she may try, SHE still has to take a step forward and risk being in a relationship. It sounds like, right now, her answer is no and for yourself and for her your best response is to love her but let go and allow her to find her own way. Go live your life, date others and find yourself as well. If in the future she decides to take a chance with you and you are still available, then give it shot, but for now take her “no” as what she wants and offer her friendship if you can.

Best of luck,
~Jodi