Let me give you all a quick crash course in poker exploitation. Exploitation is taking advantage of inaccuracies in the other player's strategy to maximize the amount of money you win.

When you bet or raise in poker you need to do this action with some combinations of hands that are good (we refer to these as value hands) and some combinations of hands that are bad (we refer to these as bluffs).

If you ever have too many value hands the opponent can exploit your strategy by folding all hands that are worse than your value hands. If you ever have too many bluffs the opponent can exploit your strategy by calling with all hands that beat your bluffs.

The problem with this J hi call is that it does not beat the majority of Garrett's bluffs. In this situation Garrett has at most 2 combinations of hands that are worse than J hi, those hands also have 50% chance of winning due to half the deck improving them on the river vs J hi. In this situation Garrett could have three of a kind, a single pair, a full house, or maybe just Ace hi (which beats J hi).

So this call is terrible, even if "you have a read".

So the only explanation is that she's extremely stupid or cheating. Both explain the shifting story for why she called because nobody wants to admit they are dumb and they definitely don't want to admit to cheating.

edit: She could also just have poor emotional regulation under pressure which compelled her to call despite knowing it's bad.