Reading a perspective: 'Never mind, I'll just go to the bank'

Your mother called saying 'the banking app is acting up,' and you were walking her through the steps one by one while looking at the screen. But around the second step, she hurriedly said, 'Oh, never mind, this is too complicated. I'll just go to the bank tomorrow,' and tried to hang up. The problem still isn't solved.

Choose the most plausible inner state for your mother at that moment.