[Advice needed] Awkward bridesmaids conversation for my not-so destination, destination wedding.

Background context

I moved to California four years ago from North Carolina. My FH and I met and still live in California. We made the choice to have our wedding here instead of traveling back to North Carolina.

We are inviting just under 100 people and ~40 of them are invited from North Carolina (this includes my family, sorority sisters and childhood friends, and my parents friends).
My dilemma
One of my bridesmaids who is traveling from NC and I had a weird conversation and I’m trying to decide next steps:
- she said to me that her mother asked why we didn’t have our wedding in NC since we have so many people traveling. (The answer: because my life is now in California and it’s what what my fiancé and I wanted)
- she shared that she really ran into some financial issues and can’t afford to go to the bachelorette party & wedding so she’ll only be able to join for the wedding (completely understand)
- she shared that went we first became friends (the year after college) she was just a “yes person” who just agreed to do whatever anyone would ask her. She went on to say that it was my fault that we would party on the weekends and that she isn’t like that anyone (yay for her, but seriously…neither am I so…ok?)
Things I’m thinking for next steps:

Obviously wedding planning is stressful so having this type of conversation with a bridesmaid was uncomfortable. The wedding is still 7 months away, she hasn’t booked her flight or hotel and she also hasn’t purchased her dress. Essentially she hasn’t spent any money yet.

- send her a message sharing that I’ve been thinking about our conversation and share that one of our groomsmen also had to decline the trip so if for any reason she would prefer to not make the trip and/or be a bridesmaid I would completely understand.
- say nothing and let her make the right choice for her.
- tell her that I’d prefer if she be a guest vs a bridesmaid and that a lot of the things she said made me uncomfortable (I recognize this option would probably end the friendship).
Just wondering what this community thinks… am I overreacting?