I agree that she does need to demonstrate some independence before she starts thinking of getting married. It’d be bad for everyone if she just transferred all that codependence on to you. What if you guys end up together, she she ends up basically dependent on you, and things end up not working out? Both of you will be in a very bad spot.
There is no excuse for her not to be financially independent at her age. There is no excuse for the fact that she appears to have no long-term plan. She needs to be able to take care of herself. This is about more than obnoxious overbearing parents- it’s about her role in her relationship with her parents and with her ability to successfully run her own life. Her parents are not an excuse for that.
As you encourage her to become independent, I would also set some solid ideas about where the relationship is going and what your “get out” point is. You need to lay down a line for yourself- have some milestones and some timelines for them, and be willing to leave if you are not reaching them. It’s easy to accept an proposal, but until she is actually there being a part of the relationship, it’s just words.
I had a friend who was in a long-term intercultural relationship where the woman would not confront her deeply religious parents about the relationship. The parents had some idea, and had met him once, but she basically avoided the whole subject- even after they had effectively moved in together. He waited patiently through all her emotional drama about it, her occasional sudden decision not to see him any more (always followed by a sudden decision that love conquers all), her wishy-washy avoidance when it came to making hard choices to make the relationship work and her religious angst. He waited and waited for years, thinking every day that it’d just be another week, or another month, before she chose to really be with him.
In the end, it didn’t work out.
She is now in a happy long-term relationship, openly and without drama, with someone who is equally as unacceptable to her family. He, FWIW, is happily married to the girl he started dating after the break-up, and they adore each other.
The point is, if she wants to be with you, she’ll be with you. If she’s not choosing to be with you, it’s probably because on some level she doesn’t want to. Love does conquer all. So, if it’s not conquering all, then something essential (attraction, vision of the future, etc.) just isn’t strong enough.