You're under thinking it; Rosie faces a lot of challenges that she'll need some serious support to get through, even without the addiction.
Her parents are also involved, which means we need to manage them. Because they should have an idea of what safely carrying a child to term costs, and if the money just appears they're going to get suspicious. Especially because they know their daughter was using heroin, and can't possibly be aware that her addiction was replaced with a magically induced neurosis. Inexplicable money screams that she's doing something shady in that context.
From what I can see Molly helping her in a way that's safe for both of them would basically amount to Molly getting an apartment and convincing Rosie to be her roommate. Then she could use dirty money more freely and mask how much cash is moving around from other interested parties more easily.
It'd also mean she'd be available to assist with all the things a young mother who hasn't even figured out how to take care of herself yet will need help with.
I mean, we're talking about a kid who hasn't even had to pay her own bills yet, manage a schedule more complicated than a summer job, or any other basic day to day life stuff as an adult. Who also has to go through a scary and life changing bodily process while navigating the American healthcare system herself for the first time. It's going to be a fraught process, and will probably only get worse when she actually has the kid.
If she had an accidental pregnancy at thirty Rosie could probably handle all this just fine, but she's not even old enough to drink yet.
To be blunt; she and her boyfriend couldn't even work out the logistics of condoms, her mom is probably right to tell her to give up the baby.
From a game perspective do we really want to get involved in all of that? Do we even have the dice pool to deal with insurance paperwork without setting it on fire?
From what I can find online for
this, just the part where you go to the hospital to deliver the baby can run around $11,000 or so assuming nothing goes wrong. Taking an ambulance can slap $1,000+ onto that, and we haven't even gotten into all the media care she'll need till then. Or any of the stuff her kid will need after they're born. Total costs leading up to day one with your new baby can apparently hit $22,000 when all's said and done. That's with insurance too.
Good fucking luck paying that off at minimum wage while feeding yourself and your new kid.
Which she might have to try if her parents go through with their threat to force compliance. Heaven help her if they freeze her access to their insurance, cause then those numbers get worse and everything else gets more complicated.
Maybe it's a little overbearing, but with the looming threat of a healthcare debt trap I'd think it'd also be comforting to hear.
Seriously; werewolves may have DR/Silver, but over here in the US we've all got DR/Medical Debt. That shit is scary.
