OP, YABU, unless you were also adopted at 5 and grew up through a pandemic that stopped you from a good chunk of your support system/normalcy shortly after, you absolutely cannot compare your childhood with hers.
If she was adopted at 5, she likely has memories of her life before joining you, and all the feelings involved with being abandoned/parentless and later adopted by you, showing her that your love for her is independent of the labour she put into your business is PARAMOUNT. You CANNOT punish a kid for not wanting to work and be “hurt” when they refuse to help. Their job is not to help you, it’s for you to help them, help them feel loved, secure and cared for.
The fact that you feel resentful at her choosing not to spend her free time helping at your business to the point where you will punish her for it, is absolutely not okay. And it has nothing to do with “only” having 5 years of parenting experience.
You said you felt pride in earning your own money? Were you also punished by your parents when you didn’t?
I am someone who loved to save money and volunteered to work for it and would always find ways to make extra money, it was my thing, but it was done on my terms and because I wanted to. My siblings were different and simply didn’t have the same motivation. None of us were punished for not wanting to earn money when we didn’t want to.
I have memories of us begrudging our parents for taking screen time away to force us to learn things they felt were valuable that we could (and would) have totally learned later in life, like posing tiles or doing manual work with my stepdad etc... those are valuable lessons, I get a parent want to share with their kid, but punishing children for being children and wanting to be children isn’t okay.
I would have still learned to fix stuff and do manual work around the house without having to be punished for not wanting to learn as a kid. Them punishing us only served them to feel better about taking the credit for teaching us and feeling like they were good parents for wanting to instill some “hard working values” in us.
It’s bullshit. We were 4 (now 5) siblings and all turned up drastically different and with drastically different work-ethics. Yet we were forced through most of the same chores. I am still the most savvy/responsible one, but that’s not thanks to my parents. I was simply like this from the start, it has always been my personality type. The oldest of my brothers who is a year younger, is 23 still live at home, can’t hold a job longer than a month and live outside his means and off of my mom. Same education, different results.
Give your child a break, don’t compare your probably undisturbed childhood with yours, and embrace the fact that she feels confident and safe enough to say no. And please don’t punish her for saying no. Teaching kids (but girls specifically) that saying no when asked a question/to partake in something is 100% okay and not something people resent you for and will punish you for (and that if they do they are wrong) is so so important. That should be at the core of your parenting, honestly.