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It appears that the blue blood upbringing that imbued her with all those charms, expensive tastes and "class" left her ill-equipped to reproduce that life style any other way.
Very good point, and one I wanted to make myself but missed.
And in continuing the way she is, or most women continuing down this "easy" path, it will leave them ill-equiped to deal with future life-decisions, careers, etc, once the money isn't coming in with so little effort.
...A self-continuing cycle.