I think that Simone’s personality is such that she believes she did nothing wrong. She is on a mission to live her life a certain way.
She wants to be wealthy; her ideal life would be similar to that of Kenyan and Charlotte Clarke (prior to liquidation). It’s my theory that, although she went to St Cuthbert’s for her entire schooling, her life at home was not as monied as that of her friends. She then developed a desire for money and, when a career as a hedge fund manager proved to be beyond her, she was willing to acquire money in an unethical way. In her head, she knows she promised the money to charity, but her needs were greater. Simone must live a large life, a life of excess, of holidays and designer jewellery and clothing. She simply has to, she cannot consider an alternative life, not after all she has suffered and gone through. She deserves it all, she believes.