I think that there may be more going on here.
You have raised some very good points...some that I didnt even think about.
"I would be concerned about depression if she really does nothing"
i have a friend like this.
Yeah, I have a friend like that too.
Someone else mentioned that its none of your business. I agree and disagree with that. I think since she is complaining to you about her financial situation, it only makes sense that you might want to offer her some friendly advice. I'd mention it once and if she gets angry, drop the subject.
Whatever you do - do NOT loan her money or buy things for her. You are only enabling her lifestyle that way. I have known women like this, and pretty soon they are asking you for all kinds of help or favors. If she is able-bodied and healthy enough to work - just doesn't want to do so - then I would not feel obligated to help her at all.