She's put in a position where she's acting as a middleman between the advertisers and the hosting company, and losing money in the process. If the Advertisers would just cut out that middleman and deal directly with the hosting company there wouldn't be this problem.
But you're right, she's dealing with money, and has to go through the paperwork because she was honest. I just hope Philadelphia gets their $300 filing fee, then sees an overall loss when next year she writes off her hosting, internet connection, computer, and portions of rent, utilities, lunch meetings, travel etc.
If she blogs about it it's now business related...