What is the ruling on a mother's negligence in spending on her treatment during pregnancy, which led to the death of the fetus twice due to lack of financial resources, and her feeling of guilt?

If the mother abandoned treatment during pregnancy due to her ignorance of needing it, there is no sin upon her, nor is she liable. However, if she abandoned it knowing that it would lead to the fetus's death, then there is sin involved, and she is liable for the fetus if that was due to intentionality or negligence. But if her abandonment of treatment was due to an inability to cover the expenses, then there is no sin or liability.