If she moans about having to do it then ask her if she wants to play or not. If yes then she stops moaning and pays on time or her entry doesn't go in. If not then she shuts the hell up and saves her pound to save up for a personality.
However, if you win and there isn't any documentation saying otherwise; legally she isn't entitled to a thing.
Morally, in that situation I would take a silent vote (paper, no hands or voices) on what should happen. Everyone agrees to the majority decision.
There are stories in the paper about people who have missed a week because they couldn't be a*sed and the numbers have come up. They got s*d all. As the saying goes, you've got to be in it to win it.
If there is a valid reason then someone else puts the pound in and gets the money back. A frequent occurence of this and she's out. It sounds mean but when a share of �4m is at stake, what would you do?