Lots of advice for what she SHOULD have done.
I think I would have considered payments for the first lady - just not handed the quilt over until it had been completely paid for.
It didn't sound like she was trying to get out of the deal. Stuff happens. (If you are sufficiently interested, you could maybe find out what - if anything)
The second one would have ticked me off and I think my response would have been in the Forget You category.