If she's sincere, she won't touch the money. But I don't see that happening.

You don't want her to be "sincere" about the money. You want her to let you meet her needs!

I also think it's weird that she waited a day and a half to reply to my email... from her phone, instead of from a computer. Seems likely she was mad about something right then and lashed out. It was like 2 in the afternoon her time when she sent it.

You could be right.

But, look at it this way, if she wasn't motivated by anger, you may never have realized how she was seing your inconsistencies.

...and you would never have taken a second look at how you could meet her FS need.