Yeah I don’t think in any way she should automatically be granted a permanent visa. It’s just frustrating because she checks all the boxes they are looking for.
She’s never committed a crime, has plenty of money to fund her trip here, owns property in the Phillipines, has elderly parents, siblings, pets, she cares for back home that rely on her. She’s demonstrated strong ties to her home nation with those things and her decade long service in the military. So she clearly has intention to come visit here and then go back home before her tourism visa expires.
When they deny you, you just get a sheet of paper with like 50 possible reasons you could have been denied without saying which one(s) it is, and there’s no appeal process, you just have to schedule another appointment, pay the US gov hundreds of dollars to apply again, and then wait another 9 months for an appointment to open up.