Prayer for me is a focusing, a channeling, an intense activity that is not a passive contemplative or meditative state.
Oh jeez, you know I am not just real eloquent in these things.
If she wants her bills paid, LOL, I got it, don't worry... IDK how that is going to work for her... If she needs the strength and confidence and direction (focus) to get it done... and she is willing to accept what comes of her efforts in this regard... maybe it will work for her.