Obviously she understood that she was doing something bad. It's weird that people on social media expect 13 year olds to understand the value of money when they've never worked for it.
By 13 you’re mostly developed. You lack life experience so you’re a little naive and you lack the final development of the brain but you’re basically a finished person.
There’s no way that at 13 you don’t understand that spending 64k is wrong. That’s an absolutely absurd amount of money. It’s like when people like you say they don’t know murder is wrong. You don’t have to be 25 to know stealing 60k is wrong.
Perhaps they were expecting a few harsh words at most and that was a price they were "ready to pay".
"Being mocked by the other kids" and "going a little bit over budget" could have sounded equally bad in their young mind.
It's fair to assume that they didn't intended to hurt their family this much and this is one reason why society severely restricts what people can do at this age.
I had a job at 13 and would've spent my own money on something like this.
We treat adults like children so children behave like infants.