No, the Emergency Fund is for Emergencies like this. When one doesn't have an Emergency fund they are forced to use credit. When one doesn't have Medical Insurance it is even worse. She should have talked to the Hospital about a different payment plan. Most hospitals will make the adjustments for those with hardships.
Living without an Emergency Fund is not Living within your Means because Murphy will come in to live with you. And he brings his broke friends with him; Desperate, Dumb and Stupid.
She doesn’t have an emergency fund. All she knows how to do is make payments. That’s her life and the life of many others. “I will try to make payments on it”. Her cell phone payment is $300 a month. Her car payment is probably the same.
The hospital already told her to pay $300 a month but she only wanted to pay $150 so that is what she paid. If you have a $1000 in the bank and an $1800 hospital bill, borrow the $800 (or sell something) and get them out of your life. Hospitals are not financial institutions. Don’t borrow money from them.