To Zhai Hua, although Qiao Nan's actions were considered selfish, she wasn't black-hearted. She had taken away Qiao Zijin's life-saving money, but this amount of money was Qiao Nan's to begin with. She had only taken away her money and didn't take away anything else that didn't belong to her in the family. Was this considered black-hearted? She had heard about worse situations before.
If that was the case, even if Qiao Nan was selfish, at least she had her own moral values baseline. What was wrong with Qiao Nan wanting to keep her personal interests? They were already in their forties and she had her own family.
If Qiao Nan made selfless dedications for Qiao Zijin's illness and didn't even want her own family, then something was wrong with her.