Who has the bigger problem here?

Girl in college loves the handbags baby. She doesn't even eat other than ramen noodles in order to save money for designer handbags. Mother provides daughter with credit card for emergencies. Daughter decides $3k handbag is an emergency. Mother finds out that it was a handbag and still pays it off? I repeat, the mother, who claims to be really pissed off, does not insist that the daughter return bag or pay back 3k somehow or work or anything. (daughter still has the credit card!)

In your opinion, who has the bigger problem?

EDIT: If you can't think in terms of "problem" then decide who you would push off a cliff to certain death first and feel least bad about doing it.