1) We could all have 7 brakes on our bike. 2 is good. The front does most of the work .This debate is totally subjective.

2) Crap bike. Funny how my new bike comes into this. You misunderstand what constitutes a crap bike. A year old carbon Pinarello with cords showing, dead pads, frayed cables, slow leaks etc is a crap bike. If someone is riding in the rain with frayed cables, sandy old pads, low front tire etc then yes, they are on a crap bike.

3) Staying upright is not the best gauge of riding skills. Does she know about the traction circle? Do you?