Seems like a bad situation to me. "Partners" are often cost centers and not profit centers. Not much of a partnership.
A lot of men end up in bad relationships for lack of other options... the fear of being perpetually single and actually being single for years on end will lead men to take the only option that presents itself even if it's bad news.
Not saying that's you... but if you could break up with this girl and you knew you could meet a new girl within a month that had a lot to offer would you?
In home improvement sales, think windows, siding, solar, etc. they go door to door to canvass just to find a sale. Out of 100 houses they'll have a lot of doors slammed in their faces, some people say their interested just to flake... but they'll get one sale out of it.
What if you went and talked to 100 girls and tried to meet someone new? You'd have to think you could get at least a few dates, meet some new people, have some new experiences and you'd probably get a new girlfriend and see you have better options than a long distance girlfriend you can't see often that isn't on the same path as you.
That's what I would do.
I generally find that telling someone their relationship is disposable isn't received very well.
Also, I get your point, but folks who believe their options are limited aren't likely to internalize the message that they have plenty of options. They just write you off as completely out of touch with their lived experience. It will make them tune out all of your message.
It's very challenging to combat a scarcity mindset because that's what feels "safe" to the person.
We also have no idea what the basis of their relationship is. It's always possible that with her being very religious that her expectation has always been that she would get married to a primary breadwinner who would take full financial responsibility for the family unit, and be a stay at home spouse. And for all we know, OP might be totally into that.
That's why I asked if OP is comfortable with that scenario, if they have talked about it.
For all we know, she might be an ideal partner for OP if that's the kind of partnership they're looking to have. Plenty of people in the world do. It's certainly not common among the population here, but we do have a few and off the top of my head, they tend to be the ones who rave about their spouses. It's also very common over at Bogleheads.
It's not for any of us to decide that she's a bad partner for OP. She is very clearly not great at being a self sufficient independent adult, that much is absolutely evident.
OP doesn't need to be pushed to leave her, but does need to be pushed to be certain that this is the type of partner who they want to have to handle all of the challenges of life with.
So I do FULLY support your point of OP asking themselves if a bunch of other women were readily available as potential partners, would this one still seem like the best option?? That's a really legit question for any of us to ask ourselves.
Loneliness and fear of loneliness can be a powerful motivator, so it's important to assess how much of choosing to be with someone is driven by fear of being without someone.
Again, scarcity mindset is very hard to overcome.
My main point is though that telling someone they shouldn't love who they love is about the fastest, most efficient strategy for getting them to tune out any advice you have to offer them.