What a glutton for punishment you are if you think its good to reconnect that early with someone after ending a relationship with them.
And you know you wont be seeing each other since youre moving far away and starting essentially a new life. Its an honest and genuine portrayal for Zoey to stay away, to me shes trying to do the "right" thing and move on. It takes time to settle feelings and emotions for what she went through.
As to how you can suggest that shes in the same headspace after mourning and ending a friendship and moving and starting a new life and chasing a dream, is very upsetting honestly.
Quitting a dream before doing everything you could to realise it would be even worse writing imo, then she would have been wishywashy and fickle. Every person i know or have read about who have chased something of importance never would have given up like that, what it takes for someone to shift focus before every avenue is spent is something major like love, children, trauma and death. Zoey doesnt have have love at that point she is missing it and doesn't even know how much.
You claim that the amount of money doesnt matter, yet you contradict yourself when there have to be money left. I wish to know why that matters for you and why that makes her character worse. I could understand your reservations if her goal was money but nothing have shown thats her motivation (besides basic needs). Somethings not right here. It really looks like youre judging her for something she is not.