A woman describes a single voice that speaks directly to her, saying 'you are worthless, you should stop trying', appearing at moments unrelated to what she happens to be doing at the time. Before revealing the answer: is this running commentary voices?

No. Running commentary voices specifically describe the person's actions as they are performed, in real time, and are distinguished from a voice that speaks directly to the person using 'you'. Here, the voice addresses her directly in the second person, its content is evaluative rather than a real-time description of behaviour, and it is not tied to what she happens to be doing at the moment it occurs. This pattern is more consistent with a different form of auditory hallucination — critical or derogatory in content — and should be documented as such rather than labelled a running commentary.