I visited that lady as part of a mission. She's mean and crotchety.
The mission requires you to go into the basement, and I saw the shotgun but didn't take it because I was playing an honorable character, and that would be stealing. When I went back upstairs she started yelling at me for stealing her shotgun. Sure enough, the shotgun was suddenly hanging from my back. 😳
I was pretty mad about that. The game basically forced me to be a jerk.