I am not a doctor but from your description of her there's a good chance she had schizophrenia. Her statements are consistent with it, and problems keeping friendships and jobs leads to financial and social problems with then leads to homelessness which then leads to more problems, including drugs, and it snowballs from there.
If this was the case, the root affliction is not her fault, and she probably needed anti-psychotic medication on a regular basis, and government financial aid to keep her off the streets. Talk therapy is almost useless for that condition. Though giving her shelter and helping her to keep social connections is vital. So it sounds like you helped her out a lot.