a couple things I would say. Good assessment you made there, not to rely on her for things that would require something like this. But depending on how the rest of the friendship is, that is what would determine whether or not there is significance to this particular tendency of hers. For some people we can overlook their quirks and behaviors if everything else they are to us matters more. In this case it sounds like she doesn't contribute as much as you would like to the relationship so perhaps in the grand scheme of things it's not a relationship to keep investing too much into.