At first I couldn't see why you thought it was about the money but then you write later in this thread about some of her comments about people/neighbours, which seem very judgemental. She sounds a very insecure person who needs to put others down, and I don't think that has anything to do with money.

I would imagine she is very difficult to have a friendly relaxed conversation with if she makes these kind of comments about others. Perhaps this is also playing into your decision not to call (as well that she does not call you).

The not calling is not always a clear cut issue - I have been guilty of that with my sister but the reason behind it is that she is way busier than me and I always seem to call at the wrong time. I tend to leave it to her so she can choose when she gets in touch. Not saying that is what has happened here but there can be reasons behind someone not calling.

The gift is an odd one. I do wonder if that is her way of expressing affection/reaching out, and if she is just very unsure of how to show she cares in an appropriate way.