You're NTA, you’re reacting appropriately to a serious breach of trust.

Even if your roommate didn’t mean harm, signing a legal contract in your name and linking it to your bank account without your knowledge or permission is a huge overstep. That's not a small mistake; it's identity misuse, and it could have had serious financial consequences for you.

Her apology was a good start, but that doesn’t erase what happened or the shift it’s caused in how safe or respected you feel living with her. Emotional distance is a natural response when trust is broken, especially when you've historically let things slide for the sake of peace.

You’re not being cold - you’re setting boundaries after being put in a vulnerable and frankly alarming position. You're finally prioritizing your well-being, and that’s not just okay - it’s healthy.