Maybe the book explains it better but this inheritance thing seems a little dumb. It seems to indicate that the mom knew that her daughter would end up destitute to the extent that she would need to sell her mother's prized comb. When else would you attempt to sell your dead mother's heirloom? Wouldn't there be a better way to ensure your daughter doesn't end up on the street if you were so certain it would happen and you had a truckload of gold? She could have given it to someone she trusts or put something in her will.
Given that the mom did not tell the father about the comb suggests that she did not trust him. Which begs the question, if you did not trust that your husband would treat your child well, why would you not do more to prevent her mistreatment?
Furthermore, it feels like a pretty big assumption that the MC would have the comb appraised at just the right bank instead of bringing it to some pawn shop or jeweler or auction house. This can't be the only place to sell a comb in the city. Also, what if she had instead had to flee from the capital and had good to a bank in a different city? Would the entire fortune have been lost? What if the comb were stolen or lost? Based on how the MC never found it last cycle, there doesn't seem to be any back up method to get the money to her.
None of it makes any sense. In my opinion, very weak writing. It feels like the author was like "how do I give my character a ton of money? I know the comb!" but then never put any more thought into it than that. I don't need every story I read to be seamless with no plot holes but I feel like I want my writers to at least put more thought into what they say than AI would.