I finally figured out that I am suffering from a corollary of the "I love my protagonist too much to make bad stuff happen to her" issue. I suffer from the "I love my protagonist too much to make her do bad stuff" issue. She suffers a lot, but she doesn't really do anything about it. I've been so worried about her being a likable and sympathetic MC that she's kind of passive and boring and numb to everything around her. Which, ironically, makes her come across as callous and unlikeable to most people (except me, but I'm her mom, so of course I love her, right?).
I think I'm finally ready to give myself permission to let her be hurt and angry and a little pissy. Life's been dicking her around, and it's time she got a chance to lash out at the crumminess that's been raining down on her. She's mad as hell and she's not going to take it anymore.
Now I just need a little more sleep to recharge my creative batteries.