Mental health apps face a severe retention crisis, with nearly 95% of users abandoning within 30 days. A core reason is that trend-driven UI design conflicts with the fundamental needs of distressed users. Five key tensions are identified: cognitive friction from complex interfaces, emotional mismatch between visual tone and user state, inconsistency that undermines routine, accessibility failures from trendy aesthetics, and coercive engagement mechanics borrowed from entertainment apps. A practical evaluation framework is proposed covering cognitive load, emotional alignment, navigational reliability, accessibility, and engagement integrity. Real-world examples from apps like Bear Room, Teeni, Finch, and PTSD Coach illustrate how design choices either support or undermine users arriving in low-capacity states.