TBH if I were in serious financial predicament, not getting paid on time at my job, not able to afford a phone and received flowers from a friend who knew my situation I would just get livid. I can't eat flowers, can't pay my bills with them. They can be nice when I have other things, but when not able to afford what I needed it would feel like someone laughing in my face. These are obviously my feelings, other people might feel differently about that and appreciate the gesture, but for me it's empty and feels like someone doesn't care about my need, my situation and just want to make themselves feel good.
I know you keep repeating "it's not a scam, she's not trying to get my money" and I suppose you want to also avoid somehow suggesting using you for your money would be possible, hence the flowers, but I still think a small amount on a gift card that she could use for something more practical could be a better option.