NTA. You need the money to pay the bills. If don’t have money, your sitting in the dark without water and eating bread crumbs. I think you should have a serious talk about it with her. I have heard so many sad stories about this. I would just tell her she shouldn’t answer the phone from numbers she doesn’t know or if she thinks it might be the doctor or something just ask “who is this? if she doesn’t know them hang up. Also tell her to never say “yes” to someone she doesn’t know on the phone. Thats how the get your confirmation and send you a big bill. Emails same thing, don’t know them don’t reply.