By going bankrupt she will never ever, as long as she lives, be able to apply for finance.
Ever...
So, she isnt getting away with it, because shes got to go the rest of her life knowing that, she will struggle with banks, she isnt allowed to have one if she goes bankrupt, which will make it harder for her to find work, she cant work for any government run agency/company/organisation, i.e. police.
I know someone close who went close to it, its an ultimate last resort..
