No, you're simply a level-headed realist who can see a situation for what it is.
She never had any ill words to say to the OP about retiring early....as long as the "robbing-Jesus-to-pay-Paul" gravy train was flowing money to her. As the kaka has hit the fan over the past 6 months, the "friend" is desperate to get at least some money from somewhere, and her expected funds have probably not materialized like she expected - prompting her to more extreme and severe verbal attempts to manipulate the OP into tapping the cash flow spigot again.
Oh, she'll be back, that's for sure. With a much more calm 'apology' to the OP. She knows she was able to get money from her before, and she'll just try different avenues and different approaches to tug at her heartstrings.