With how much of it felt like pure dice luck when I was interested, it ended up seeming like you'd be financially better off if you were gambling in a more direct way while also discussing lore for fun. At least you'd have a chance of coming out ahead.

Stress is the obvious answer. You won't be able to guess what is causing it, so don't start speculating. You can try to impress upon her that you are a safe outlet for that stress if you are able and willing to really be that for her, (Don't just jump at it because you are curious. You might not like what comes from it, and it's worse to pull back after the fact than to not offer at all.) or you can just be a source of stability while she works through it herself. Use your best judgement.

None. Remember that the response is AI generated. It's probabilistically created from people's writings. There are strong relations between that command and other 'dangerous commands.' Writings about 'dangerous commands ' oft contain something about how they should 'only be run by someone who knows what they are doing' so the response does too.