Not sure how THIS makes me the bad guy

Remember how I transferred $300 into L-Dawg's bank account on Monday so she could get on the train from Fresno? Well, yesterday, she left her wallet with her bank card (and her account #!!!) at some coffee shop, and surprise, surprise, when she went back, it was gone. She called me all hysterical in the middle of the day, I gave her the bank phone # so she could report her missing card (and put a hold on her account). Now, of course, I can't get my money back until I go with her to the bank to close the account and open a new one (it was a joint adult/minor account. But it won't be after this....grrrrrr). She spent a good deal of the process yelling and crying and whining at ME, as if I, what? Stole her wallet?
Today, to make things EVEN MORE FUN, she WOKE ME UP AGAIN with the following words: "I need your tax stuff to take to the Financial Aid Office". I cannot, in English words, describe the pain and torture of the next THREE hours as I drove her to the campus, then told her over and over and over again that she needed to stay there until she got that shit finished (MONTHS of half-assed financial aid bullshit on her part), that she needed to get a CHECKLIST of EVERYTHING she needs.....blah blah blah. And every step of the way, this kid yelling and screaming and crying and whining at me AS IF IT WERE MY FAULT THAT HER FINANCIAL AID IS FUCKED. Like last semester. And the one before that. And the one before that. And the one before that. Cuz Maude knows I love nothing more than to fuck with the money she uses to pay me rent. Which she hasn't yet this month, because she fucking spent that money to go to Fresno!!!!!
FUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUCK me.

So, to recap: I fronted her $300 so she could get home, then I talked her through what to do when her wallet got stolen, and she owes me September rent, and I found and coughed up my tax forms at the butt-crack of dawn, and drove her across town, and talked her through every step of the financial aid process that I cold, while at work, trying to make enough money to, I dunno, cover her part of the rent AND the money I lent her and now can't access, and this makes the me bad guy because.....?