I agree that the OP's dd should spend some of her money travelling - it is such an enriching experience, and she is at that point in her life where she doesn't have the sort of responsibilities that make it so much harder to do - things like a family or a home.
My dses are at a similar point in their lives - one has graduated and has a permanent job, but with a room in a shared house, rather than his own household, and no family of his own, he can take off in his holidays and do what he wants. Ds2 has got his degree, and is going to start teacher training in the Autumn, and ds3 is about to start the second year of his degree - so they are both pretty much footloose and fancy free this summer - and I am glad that they are taking the opportunity this offers.
Neither of them is being lazy - ds3 has a summer job that he is working hard at, and ds2 is helping around the house, whilst he looks for summer work - but both of them have taken the chance of some time abroad - and I am glad for them - and a bit envious, if I am honest. I didn't take the opportunity to travel when I was their age - I was doing my nurse training before it became university based, and although I was earning, I lacked the nerve to travel on my own - one of the results of having had undiagnosed and untreated depression for a number of years.
@fjieopwfjqer - please take some time to learn about depression - it is a horrible thing to have, and can only be made worse if the sufferer's family don't believe in it, and are so unsupportive. Attitudes like 'this depression nonsense' and suggesting it is a fashion amongst young people WILL be obvious to your daughter and WILL make her feel even worse.
And please stop and consider that your daughter is her own person, with her own character, and likes and dislikes - and that just because these are different to yours and your dh's, this does NOT mean that they are any less worthy than your character, and likes and dislikes.
Newsflash - people are different, and like different things - and this does not make them lazy or bad.
But - Second Newsflash - if you do not accept your daughter, and value her as she is, without the underlying current of criticism and disappointment that is obvious to all of us, including her, you will lose her.