Herbert/Ambrose isn’t a bad name imo, sounds cool and isn’t ridiculous as many people back then named their kids that (i think its an old english name)
She helped you, and you are your husband decided to have more children so if u can have more babies, you can make your own money. Like bro people these days
so to be honest in my opinion I kinda feel like she should have chosen a better friend you are not obligated to pay a person but she was struggling and needed help like I hate Friends who only wanna be around when your happy and nothing is going on in your life in away she kinda is selfish if I saw my friend struggling I would help her so much because nobody deserves to struggling like that and I think she should not be preparing for another kid, if she can't, you know, take care of the other kids that she has