Why did she wait until now to help if she was this good with contracts and money? Did she try to find another solution? Everyone is blaming winter( and they aren't completely wrong ) but she wasn't making good choices either.
I like the fact that the kids are acting like kids not adults. Of course they don't act perfect, this give the characters room to grow without being unlikeable.
Let's just pretend she has a reduced mental capacity due to the lack of development in the brain at this given point in time. Reincarnate sure... but baby brain