Agreed, there is a huge difference between someone who is clearly unstable and someone who is just a jerk because they feel entitled to the actor. And it is pretty normal for an actor or actress to not want anything to do with someone who insults their partner. In that Eddie Redmayne article he expresses his discomfort and anger at the woman saying she doesn’t care that he has a wife and being rude to her. Adam Driver didn’t want a gift from a fan that he found out harassed his wife. Charlie Something, the actor from Sons of Anarchy (can’t remember his name right now) made a video telling his fans to stop insulting his partner. At the end of the day it doesn’t matter how good a fan you are to these people because if you’re willing to harass or bully the person they choose then you aren’t actually a good fan, just my opinion.
I’m also curious how she could afford this, or rather that she’s willing to spend that much on this even if she can afford it. I would be so uncomfortable having lunch with people who knew I spent 45000 dollars to be there, it would make me feel extremely desperate. But the money is for a good cause so I do hope whoever ends up going can pull the funds together. And as for her needing help, as you said if she needs it I hope she gets it. But some people like the one who was arrested are clearly mentally unwell, and others are just assholes who are beyond helping.