When I first watched the NoTW video, Sarah sounded so confident when she said she'd talked to Andrew, that at first I really thought she must have spoken to him about the money. Maybe not told him the details, but given him some hint about what she was doing.
But since both Buckingham Palace and Sarah have denied it, and Sarah told a totally different story on Oprah about not knowing where her head was (which is contradicted by her assertive behaviour in the video) I have to conclude that Sarah is telling different stories to different audiences.
Yes, I do know that if you look at her past history she may not always have been completely honest. Maybe I should be cynical all the time, but I tend to give grown adults the benefit of the doubt when it comes to whether they're telling the truth. I did think Sarah was a more or less honest person, but I'm not sure anymore.
I'm now wondering if no one helped Sarah out of her financial problems because she never admitted them. I remember when the stories of her financial problems first came out, some paper asked Andrew if Sarah was in as much trouble as it sounded, and he said, "Not if you look at the full facts" and "I've been vaguely aware that she's been in the papers." Considering they live in the same house, it sounded like an understatement. But maybe it wasn't and Andrew really didn't have much of a clue about Sarah's financial problems. And if Andrew didn't know, who would know? She must have someone taking care of her banking and investments, but it seems like Sarah was in complete denial about her debts. And I'm sure greed got the better of everyone she was doing business with, until they found themselves in debt and went to collect what she owed them.
This has to have been going on for a long time and I think NoTW was right when they said Sarah has made other similarly shady deals. I think that's partly why she seemed incoherent on Oprah. She says she doesn't recognize that person in the tabloid video, but I think that's just because that's not who she presents herself (and believes herself) to be, and this is the first time she's had to face that side of herself and admit it was wrong. Sarah is an adult, she knew what she was doing. It sounds like on Oprah she was trying to present her behaviour on the video as some kind of dark side she hadn't seen before, and now she just needs to deal with the demons, etc, figure out why she's doing this...typical self-help talk. But I think Sarah knew that side of herself was there all along and, unfortunately, she didn't see what she was doing as particularly wrong until she got caught. Everything was all about keeping up the lifestyle, staving off the creditors and maintaining the facade of being "the Duchess of York."