One thing doesn't make sense
Her apartment. She said she's lived there for 20 years to the board and they mention not paying rent. Sorry but an apartment like that is owned. Apartments like that aren't rented in NYC, they're property. Her father would have owned it and passed it down to her. And if she did own it, they couldn't kick her out. Her unpaid bills would have gone to collections.
Also, her money would have been insured. I get it that the point was for her to grow up, but come on.