I think you’d have to be quite naive to think this, or to not have read it properly.
The RW response doesn’t rebut the embezzlement allegation (it implicitly admits it, actually, under the classic ‘mistakes were made’ position, and admits that her former employer went to the police, that she was questioned, and agreed to repay the money on a ‘non-admissions’ basis, and that this was why they needed the money back from ‘Cooper’). It’s pure casuistry to insist that the theft is not why they lost their house.
Neither do the medical letters provided support the memoir’s claim that Moth received a CBD diagnosis immediately before they started the SWCP walk. They suggest a rather vaguer diagnosis, much later, of some form of neurological disorder which has progressed atypically, making a form diagnosis difficult.