I voted "no," because I think you're only giving Carli back what was hers to begin with. I like @SweetieWright_84 's explanation--perhaps the money was in a bank account.
The most important question is this: What option will be more enjoyable for you? If it would be more fun for you to let Carli start her career with a few nice things, replace the funds. If you want the challenge of letting Carli grind it out for a while, don't give her back the money. Or, go into Build mode, find out how much it would cost to give her the bare-bones existence you described, and give her back only that much.