If she's depressed and can't work, then she shouldn't be living in such an expensive apartment. I'm on disability myself but I don't live beyond my means. I also agree that if she has a reason why she can't work, ie anxiety or depression, I don't see how she can engage in babysitting activities. Chances are that if she had a MI, someone would know something. That is, when it gets to the point of being unable to work, its not something you can hide from the world. (And I argue that if you can hide it, your situation isn't that serious as you cannot hide deficits in functioning ability.)