This asshat doesn't want anyone, including her own kid, to take responsibility for themselves.
If a "friend" of mine spewed that garbage at me, I wouldn't have just coddled her, "There, there, change is coming in November", and I don't care how long our friendship was.
I would be telling her that if her college aged child was getting hit with bank charges, I would recommend teaching her child how to be responsible with her bank account by managing it or else don't have one. That is the penalty for being irresponsible, and too bad.
And NO way would I have just kept my mouth shut if some liberal started prattling on like a lunatic about how Bush "stole" the election.