What is important in life
I don't think its just about money. In the 1st world you don't really need alot of $$$ because medical, housing, car, etc is very reasonable & people don't really want to be tied down with a home. Many prefer to be mobile so that they can go where the jobs are. Have even met Canadians who haven't been back to Canada for decades.
Having a Canadian passport opens more doors than a Spore passport. You can more easily work in America, Europe, Aust,... & even Spore

In Spore you even get to take out your CPF
I've seen many of my ex-Sporeans friends who are now Australians & Canadians, they look much better than Sporeans of the same age. Probably due to more wear & tear in Spore from daily stress.
So your friend has 2 properties but what's going to happen in 10, 20, 30,... years time when she can't function without assistance

Or there's a property crash

Will she be another victim of foreign talent abuse?
I know someone who had cancer & his medical was something like $200,000+

It would probably be higher if he had lived

Even those with a million$ are leaving Spore