You are just on different levels. If she's not comfortable with your pace and you're not willing to step it up, there's a pretty good chance she's going to leave you. She's got the maternal clock ticking and doesn't recognize your relative layabout attitude as providing.

You sound alright to me though, but I'm a man too. Try meeting her halfway for the time being. The apartment downtown should be enough for a little while.

I'd say focus on living your own life and going at the pace you desire. You are the only one who can really tell if you are a deadbeat loser, and even then it might just be your insecurity talking. If you feel like you aren't doing something properly, try fixing that. Focus on small goals at a time, and maybe step up for yourself to your girlfriend.
Show her that you are doing what you want to do for yourself, and that you aren't going to be mentally cock-slapped by her back and forth. She might admire you more for taking things on for yourself rather than trying to live to her standards. On the other hand, she may easily want to leave you if you blatantly tell her off or some bullshit like that. However, what is more important? Your current girlfriend, or your life? Women come and go. Is this a woman you want to fight for so badly that you will modify your life to her favorable conditions? If she was right for you, she would want you to be happy doing what you want to do.


Some disclaimers though:

Don't take my advice as some excuse to just live off of your parents.
Don't tell her off, rather speak up for yourself.
I've never been in a relationship, I may not know shit about this subject.
I'm younger than you.

Think for yourself man. I just tried to supply some thoughts on what you presented to me. Not only did you provide a small amount of information, this is the internet and a pity thread and you are possibly providing me with construed factual information.

Anyways, I hope things can go well. Maybe post back and check in?