Yes and no. She took advantage of the system almost purely because the alternatives would be inconvenient to her. I’m entirely fine with shaming her for what is essentially laziness.
That said the system itself is screwed up and let her game it pretty easily. But like Garli said, how do you design a system that doesn’t allow that? And how is this different from say an immigrant family who are OG Williamsburg who saved for 30 years and gifted a down payment to their kids so they could get ahead?