You then definitely need to protect yourself financially. If she emptied the account and left no money to cover the house payment there is a problem...change that...BIG PROBLEM. You know what the base bills are...have you given her enough to cover half of them? Because if you have there should be at least half a house payment.
Remember there is a business side to this...and on that side there is no room for being nice. People will always try to to advantage of good intended actions.
