It's so easy to judge the actions of a friend, and that's just what I'm going to do here. I've already told her what I thought of her decision, so she knows everything I'm going to say in this post.
My friend went to Orlando, which is about a three hour drive in bad traffic. She got caught in the rain shortly before it was time to come home. Soaked, she ran to her car and took off her shirt/bra in favor of a sweater that she keeps in there. (I'm assuming nobody was flashed in the making of this story.) She was giving me an update, by phone, when she said, "Oh good! There's a Kohl's right next to the campus. I've got my Kohl's charge card. I'm going to stop and buy a pair of pants so I don't have to drive home in wet ones."
She had also commented that there was another store, at chain at which she works in our town, right next door. "Why don't you just run in to your store, get your employee discount, and buy a really cheap pair of shorts or something." She basically said that she didn't have the money to buy a pair of pants from her place but she "could afford it" if she put it on her charge card.
I've made the drive in soaked clothing before. I went to Orlando for college and drove home almost every weekend. (At the time gas was less than a dollar a gallon!) Being Florida, sometimes you get soaked, ya know? Also being Florida, however, I did not freeze to death nor even get hypothermia.
Since I can't make choices for anyone else, all I can do is learn from the choices they make and hope to not repeat the same mistakes.