“Traditional therapy requires me to physically go to a place, to drive, eat, get dressed, deal with people,”
YES! Those are the things therapy for anxiety and depression is supposed to help you with! If the AI "Therapist" won't help with those problems, it's not there to actually help you.
Eating, getting dressed, and talking with real people are all good things for your mental health. Typing on a keyboard doesn't help, otherwise we'd be the least depressed generation ever.