You are very correct my brother! But I believe that the church can only teach doctrine and the word to build faith in the members!
It is individual yieldedness, faith and trust in God that defines their commitment.
I think this sister did not commit sin against the church nor God! But her level of trust in God is shallow. She did not give herself as a living sacrifice! She does not trust God that whatever happens, God is in charge of her life.
She wants to fix it herself.
Well,what churches are teaching these days is not what can sustain a person through the fire of such trials except God himself decides to train you.