Either way, this is kind of those whose validity seems like a coin toss. Might be true, might not be. I wouldn't be shocked, either way. Obviously the reach of spam schemes like this is frighteningly broad; you're bound to hit people who have the magic circumstances, though this one seems particularly extreme. I suppose it's illustrative, though. I approach a lot of neat stories I read on the internet that way.
Yes, she is a "normal."
The letters are deliberately implausible to weed out smart people so the scammers don't waste time on them:
http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&o...
Personally, I want to know where all these dumb people are getting their money, and can I please have some too :(