Should a 20 almost 21 year old have a curfew?

I decided not to go back to college because I was too broke to. Decided to just stay home and work to save money. My parents said they would rather me do that anyway. So after the first year of me being here everything was fine . No curfew. All good . Wasnt out doing anything anyway though but hanging with friends at their houses. Which they live with their parents too. So not until after I got a boyfriend did my people become picky about me being home at a certain time. They say nothing decent is out that late anyway. In all honesty me and my boyfriend sleep most of the time that I'm home late. For some reason my mom thinks I'm out getting dicked down every night if I'm home late. One night I overslept at his house (he is a college grad paying rent at his mothers house because having an apartment where we live is ridiculously expensive) it is 12:35 when my mother texted me I texted her back after I woke up said sorry I'm gonna be late I fell asleep (curfew was 12😒). Now me and my bf barely get to see each other because of work schedules. I worked that day and she knew it and he knew . So when I got to his place I zonked out.i woke up left &  I got home around 12:50 or 1 . And me coming in never wakes anyone up. They are all heavy sleepers. She tells me that I'm irresponsible and that my new time is 11. I understand it's her house her rules but I pay bills here. I'm not just freeloading and being disrespectful. I do chores and I work. I don't think it's stupid for me to want to be able to stay out late . Especially if she knows where I am alll the time . & HIS MOTHER LIVES THERE! So we really don't do anything with her down the damn hallway. Am I being over dramatic? I doubt it but I'd like others opinions. And before anyone says just talk to her. She is very religious and very stubborn. It will take an act of God to change her will. 🙄 🙌