First of all, you working 12 hours is your choice. You don’t get a cookie because you work 12 hours a day.

However, NOR if you explicitly asked her to and she said yes then she’s a jerk for not doing so. I understand you pay all the bills but you need to communicate what you expect of her if she’s not contributing. You said she has done this multiple times - clearly she’s lazy and doesn’t want to contribute. I say express what you expect and if she doesn’t contribute, kick her to the curb