Dude, she broke a window and changed the locks, there was no $3,000, there were no keys other than the ones that came with her new locks.
Dude, she paid someone whom she thought was the owner $3,000 to rent the place. He probably told her he lost the keys and she could break the window and change the locks.
Maybe there are facts we haven't been given that will change my view, but on the facts provided, the real victim here is the naive sucker who got screwed out of $3,000 because she trusted someone too much.
This sort of scam happens a lot more than peopls hear about. It happens a lot in NYC where unscrupulous people steal money all the time by pretending to own apartments they don't own or control.