Phoebe lending Monica money

The same Phoebe who

1. Thought Everything that Rhymed was true. And that if she worked in stocks she'd have to live in a box, only eat lox, and have a pet fox
2. That a mouse or opossum would call her in the morning, but realized it was silly -only because they wouldn't have a way to get money for the phone
3. Thinks her rats will be set set free and meet a wisecracking owl?
4. Believes in Aliens.
5. Thinks that Joey not eating meat stops animals from dying while she eats it
6. Thinks Joey is lucky to find a hand-twin
7. Sees Ursula in a porno and thinks it's herself at first
8. Relives a Psychic when she predicts she's going to die in a week
9. Just recently learned about medicine side-effects, and spends an episode nagging Monica about them. And at first, thought the label was a story
10. Relives her bike is alive, and that it will die if she doesn't ride it
11. Thought a Vegas marriage was only legal in Vegas
12. Agreed with Joey's idea that good-deeds that make you happy are all selfish
13. Lets a bee sting her so it can look good in front of the other bees. Joey has to tell her the bee is dead after stinging her.
14, Lent Monica the money, and expected to get it back in 1 day.
15. Didn't know that Santa doesn't exist
16. Thought a fire alarm was speaking to her
17. Says she has voices in her head
18. Believes the spirit of an old woman is in her
19. Sees Joey picked up a hitchhiker, then let him stay in the cap while she plays games with him, and gives him her address
20. Went on a date with a stalker
21. Gave Chandler millions of dollars to not smoke again
22. Thinks that Alice + Frank jr. were actually going to give her one of his kids, and telling Rachel to ask, and say the baby is for her.
23. Thought it was wise to talk to Mike's parents about sex with their son, and how a pimp spit in her mouth.
24. Was mad at Ross for an entire episode w/o knowing why. Then realizing she was mad because of something he did as a dream.
25. Believes in Mole People

Given Phoebe's track record, I don't think there's anything too stupid for her to do.

Monica, Chandler, Rachel, and Ross. Had any of them had that line, then sure, it's easily seen as patronizing Joey to get him to be quiet. But with Phoebe, that's another matter.
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If you're gonna pretend to cut her hair, at least put some scissors in your hand!