So like you say, we don't know her situation. 60k may not change her life enough for her to deal.So for a 21 year old to turn this down was ridiculous and I'm sure she was overtaken with greed. She could have used the money to put herself through University, put a nice deposit down on a place of her own. Instead, it appears the greed got the better of her as she chased a higher amount.
Having said that, if her Father had just left her half a million in his will, then the gamble was the right choice.