That's pretty sad. I have a bunch of these kind of situations where I could have reacted a certain way - or at all - where as in reality I didn't. Tons of times where I think of a past conversation and wish I'd said something different - or at all.
These things happen, and the important thing to do is learn and be aware next time.
Also, in a way, the experience may have made her a little bit jaded/ closed off. Or, the situation could have had a positive effect on her life, like learning not to do something nice to expect nice stuff back in return. To be able to give a smile, a wave, and shine some light into a strangers day without expecting them to do the same.
Often times, things that seem negetive on the surface can actually be pretty positive in ways we'll never know.