I agree with what the others have said - such blanket and dismissive judgements of a chart indicate someone who doesn't know what they're talking about. Very interesting that this person is a Sag, which merits a few comments.
Before anyone thinks I'm being unfair toward Sags, let me say I adore Jon Stewart (heavy on in the Sag department) and my closest, dearest pal is a Sag rising. That aside...LOL... Sags are notorious for what they like to jokingly call "foot in mouth disease" (or what less patient people may call "laspes of intelligence, decency, and/or common sense). They may often say things without thinking or being aware of how what they say impacts other - i.e., what shrinks like to call "a lack of self-filtering." Tis the glory of Jupiter, Sag's ruler - the biggest, most obnoxious and incorrigibly optimistic planet gracing our solar system. Jupiter likes to think that it can do no wrong, and that its every intention is on the mark - and thus there's never need for re-examination or caution. Some astrologers often refer to Jupiter's "god complex": its inclination to think it is infallible, immortal or immune, a kind of a "god among gods" mentality that, yes, Saggy people can often exhibit themselves. Add do this that Jupiter's element is fire - the element of energy, in particular the impulsive kind. No wonder that Jupiter is also behind a lot of poor planning, thoughtlessness, carelessness, bone-headnedness, crassness, clueness and all other sorts of delightful folly. Jupiter's motto ought to be: "It seemed like a good idea at the time."
So don't take what this Sag said so impulsively and without good thought to heart. As knowyourself said, she has her own challenges.
Now as for your chart, I can say - as an astrologer that has spent a lot of time looking at charts of mentally ill, disturbed or otherwise deeply troubled persons and know what a
really challenging chart looks like - yours, well, doesn't look anything like those charts. Yes you have your own challenges, and some very interesting ones too, but nothing that suggests you need to fear yourself or your future. You see, as an astrologer, I firmly hold that charts are not the be-all, end-all of a person. We still have many choices to make that will define what kind of person we will because. A chart simply indicates what you're starting with on your lifepath and what challenges you may face. A chart gives us insight into ourselves, but it is not the final word: we ultimately make those choices that define who and what we are in the end.
Don't let the talk of the 12th house sacre you by the way. While, yes, the 12th house is a very "iffy" house in some regards, I don't think it's as a big, scary of an issue for you and here's why:
Forget thinking about stelliums for a second: What you have a
multiple opposition, a little known but very powerful "aspect configuration" (a configuration of more than two planets, which if combined with certain aspects, create a kind of unit of planets that combine and intergrate those planetery energies in specific ways). For you, moon, Chiron, Venus and merc on one end and Neptune, Uranus and Saturn on the other. Essentially, you should look at this is Personal Planets* opposing Outer Planets. Personal planets reflect very individual, persoanle nergies and interests, while outer planets reflect energies and interests that extend past your own indiviudality, and including your family, community, generation, society as a whole. The opposition reflects a conflict that sways from one extreme to the other (the Personal grouping or the Outer grouping), and the conflict's extremes will manifest in the areas of your life represented by the houses: the 6th (work, health, supportive relationships, communication skills, manual skills, judgement, critical thinking, mundane tasks and responsibilities) adn the 12th (spirituality, transcendence, higher purpose/calling, the unconscious mind, dreams, the "shadow self," deep or past traumas, memory, mysteries of life and one's connection withe God/cosmos).
Multiple oppisitons are not easy to work out (I know - I have one too!), but they are powerful. By powerful I mean, they challenge you to make tough choices, to learn from your mistakes, to grow and learn in insight and wisdom, to exercise your knowledge and skills effectively. A mulitple oppostion isn't an "easy" config like a grand trine: whatever choices you make in your life, you WILL see the consequences, good or bad. You may feel at times this is very unfair, as - if you're like me - you'll probably see people all around you getting away with bad choices and seemingly not paying for them. But you can't think negatively. You have something some others lack: energies that oblige you to participate in your life, that demand you recognize the power ans consequences of your own choices. This is why this is considered a "fated" configuration, because whether or not you accept this challenge to be accountable for your own choices defines your fate.
Ideally, if you do choose to be accountable for your choices, then this config will continually challenge you to grow and learn about yourself and your place in the world - sometimes painfully, but your life will never be truly stagnate (even if it appears to be). As you grow, the easier it will be to balance out this config's demanding energies and the less struggle there will be between the two extremes. It's a like a sophisticated tool that you will need a lot of practice to learn to use it effectively and gracefully. There may be many times in your life where you feel overwhelmed, confused or perhaps "doomed" but this is simply not the case with this config. It always gives you the power to change your life through your own choices (although sometimes, they may be very uncomfortable choices!
). In the end you have the potential of achhieving growth and wisdom that others may not obtain in this life, simply because you have had this specific challenge.
*A comment about my inclusion of Chiron with the "personal planets": Chiron, although a very distant asteroid, is considered a "higher moon" by many, including myself. While it doesn't behave like the major planets in a consistant manner (being so far away), it can behave more like an personal OR outer planet, depending on its placement on in the chart. Seeing it has a unique relationship with the moon, I would consider Chiron in your chart as acting more like a personal planet as it is orb conjunct your moon (as well as with too other personal planets). Hope that makes sense.