Couple of things and maybe coach can answer this. Are her parents still alive? Is there a chance she's still going to inherit?
Second thing ... I don't know if I agree with the premise that growing up poor is worse than having a privileged lifestyle then ending up poor. Once you've tasted the good life it's really tough to settle.
Me, I grew up dirt poor and while I'm not rich I'm working toward that goal. I know my kids grew up with a hell of a lot more than I did. I think for some, growing up poor is the driving factor to our success.
KC