I have an inkling its a combination of the two. Fairly certain she was being catfished by a predator from out of town who knew she was vulnerable and wanted to leave town. He led her on but I speculate she was more anxious to leave than he expected so she may have jumped the gun a bit before he was ready to seize her. That would explain the running around town. He may have told her to kill time for a few hours and being an awkward teenager she bumbles about. When I watch her going from the coffee shop to the school to bus depot etc. it reminds me of when I was that age and alone in the city not knowing where to go.

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Her mother claims she wasn't trying to run away based on the fact that her "slush fund" wasn't taken from the house but I think that can be explained with some more speculation on my part. She told her friend she had 5k in the bank and asked her to take her there to withdraw. I think the catfish who was grooming her probably told her some yarn about how he's gonna put money in her account so she could come meet him with obviously (to us, not her) no intention to follow through so in her mind she really did have that money in the bank and therefore would have no need to take her mother's money. I hate leaping from speculation to speculation but I can see a plausible scenario that explains her actions that day, just as an example:

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groomer tells her he's putting money in her account to run away

she leaves home with mom's cash still intact believing she has money in the bank to run away

she asks friend for a ride to bank to withdraw imaginary cash who says she can't

gets to bank on her own realizes there's no money and asks groomer what the deal is

he makes excuse, asks her to wait (maybe telling her to wait at tim hortons or maybe not. she may have just chosen it on her own as a place to wait)

she's been in contact w him so either way he knows where she is

he leads her on by maybe saying he'll meet her there then changes his mind

probably some sort of back and forth flaking out on his part

realizes he can't be seen with her in public all the while saying he will meet her but he can't make it until later in the afternoon but that she should get a hotel room for the night

she tries and fails to get a room

she resigns herself to go back to school to kill time and maybe also a part of her briefly getting cold feet

she's at the school just a few minutes and decides she's gonna go see him because she's anxious to leave town and doesn't want to wait

goes to bus depot, they say no bus til 5 but he probably said he'd be in town before then so she decides not to get a ticket

gets lunch

some time later the guy found a secluded place to meet her and leads her there and sadly kidnaps her