These are guesses. She has severe psychological problems due to her breakup with James. We don't know exactly what happened yet, but the way she behaves, talking to his ghost "come back to me James", fighting with herself when she starts to have feelings for Tremolo. Or take for example her look, in her eyes - coldness and lack of emotion in the early episodes. There is even a fan theory that Bella is experiencing hallucinations.
Or remember Tremolo's words when he kisses her and tells the story in the past tense:
"I wouldn't kiss her. I would call for help."
I feel that saying 'severe issues' is too much. She's clearly still a strong person who can enjoy many things in life - books, wine, yoga, etc.
And the very fact that Jill doesn't yet forgive her when you're on Bella's path indicates that her mental state can't be that bad - she wouldn't do that to a broken Bella, would she?
Especially since Bella herself mentions her past when trying to get Jill to forgive her.
As for the quote about calling for help, I attribute that to DPC's signature exaggerated drama. Yes, Bella might benefit from seeing a therapist to help her heal some emotional pain. But I think that's the case with many people in this world.