Mommy's Secret (Lifetime movie, 2016)

I lost interest by then, but the woman's daughter was tied up for some reason.

A bourgeois woman puts on a fake goatee and robs banks to cover her son's gambling debts. The son, it's explained, is just trying to help provide for his recently widowed mother in the only way open to him, but he keeps losing more and more. 

It could have been a terrible version of Breaking Bad or a weird, non-comedic Fun with Dick and Jane, but they copped out. First they show that she's FORCED to rob banks by the criminals her son owes money to, then---I don't know how much it matters if this is a spoiler---it turns out she was working with the police the whole time to put their operation out of business.

There was a Romanian movie where a school teacher turns to crime to pay off a loan shark. It seemed crazy, but under the circumstances the movie was neutral on whether this was wrong. Now that I think about it, it started with her stealing money from her students, but I think it was to show how pitifully desperate she was, not that she was a monster. [Turns out the movie was Bulgarian, called The Lesson (Urok) and it wasn't clear she stole the kid's money.]