There is a difference between your examples, and stealing to fund her new life.
Is it such a large difference? As you've pointed out at great length she's not funding her life but her slaying and she's not mugging passers-by like S4 Spike but breaking into a faceless corporation and removing its assets as Giles did in order to 'acquire' the Council's records in S7. And like Giles she may feel it was necessary but she still feels guilty about it. It eats at her hence the schizo would be my interpretation.

I'm strongly feeling like just giving up reading.
It might be wise.