Option 1 -> No evidence suggests this was a philosophical choice; the passage indicates financial constraints.
Option 2 -> Contradicted by the passage - she enjoyed memories, her pets, and her face was "radiant" when reminiscing.
Option 3 -> Supported by "he was almost penniless," "not much brass there now," and "just enough brass to keep Miss Stubbs and her animals alive."
Option 4 -> While bed-ridden, she shows no bitterness - she laughs, enjoys conversations, and finds light in her animals' devotion.
Hence, Option 3 -> The passage clearly establishes the family's financial downfall - from prosperous to "almost penniless" after her father's death, with barely enough money to survive and pay Mrs. Broadwith. This economic reality, not personal choice or attitude, dictated her simple lifestyle -> correct