I re-reread my post - again - and I think I am confusing people. I had no stop sign, there was no time to react, her car was poised to cross but no eye contact was made, she assumes that I should have read her intent. Obivously I would have braked sooner if I thought she was going to jet across as I approached her. I thought, instead, that she was going to wait like she's supposed to. The question isn't legal, my conscience is waaaaaay clear on that. No, its a "wtf are you (the driver) thinking" ie how does your mistake become our mistake? Anyway, this horse is beaten to death.
Thanks for all the feedback. I am grateful for your thoughts on this strange situation.