It's ok that you've fudged to keep her alive the last few sessions, but I suggest that some ajustments be made so that there is less need for "DM cheating".
NPCs are, of course, a valid option. Focusing less on combat for XP is also a solution. Those are adjustments that YOU can make.
The player, on the other hand, will have to understand that (if she hasn't already):
- the world is a dangerous place
- being alone in a dangerous place is not that good of an idea
- it is better to flee and fight another day, especially since she is a monk and monks have excellent movement capacities. She can probably outrun and out manoeuvre anyone, if she has a "plan B" prepared. A monk is lawful and wise. They should always be prepared. Encourage the player thusly. Of course, this means that you won't place her to often in situations where the only means of accomplishment is victorious combat.
If you stop fudging and that the character dies because of that, don't hesitate to use the good ol'
deus ex machina... once. And have the character be terribly indebted towards whatever hero will have saved her. She'll have to learn!

(of course, you say that the player is afraid for her character. There's a good start)
AR