You are lucky she paid back and I think she had the will to pay but did not have the power at the agreed time.
I have cases of people killing someone they were owing just because they didn't want to pay back, that's quite ridiculous. Doing so much evil because of money is unreasonable and we should be careful when it comes to money matters.
Yes, you are right. She was willing to pay back but just didn't know how to do it. Thank God I was also patient with her. We just have to be careful when it comes to money issue.