Oh goodness my dear she TOTALLY took advantage of your kindness!! In my opinion, you went way way WAY too far to help this client and I literally gasped when I read that you loaned her the deposit! I'm sooo relieved (and surprised!) you go it back though.
No, not all clients are this much work by far...and it's important to remember to maintain a professional business owner and client relationship. It is not your responsibility to do anything other than take great care of her little one, while she is responsible for following your contracted guidelines.
Keep your chin up, keep advertising and take this as a lesson learned in looking for red flags. Please don't do this to yourself again! (((hugs))) for all the stress!