She cares too much about her terrible family. I couldn't have cared less about my father after what he did in her previous life. So what the duke paid off the debt, no one told him to do that take it up with the dad. I'd be there to negotiate on my own terms especially after selling all my valuables the day before and preparing myself.
Also her sister is jealous trash, makes it hard to believe the younger sister doesn't have ulterior motives even though we'd seen her future too