As for being insulted, if there is no picture and she isn't here to actually tell us firsthand what they are like and her specific problems, then people can only assume. Nobody was trying to say she IS FAT, we were just going off what is the case 99% of the time.
Now that there is a picture, that helps!
I think the general consensus will be that she has awesome legs. But that doesn't help HER feel better. Genetics is a funny thing - we can only work with what was given us. Her calves will always be "big". She may never fit into the zip-up over-the-calf leather boots. But she WILL fit into the stretchy ones!
We have to accept our stengths and our limitations. I will never be over 5'4". Ain't nothing will change that. I can sit around and whine and blame my height for all the bad in the world, but that gets me no closer to my goals. She has to learn to accept what she was given and work with it.
Maybe running, especially high intensity running, could be the issue. Why doesn't she try fast walking/high incline, the elliptical, or something else. Gaining the body you want requires a lot of trial and error. If something isn't giving the results you want, change it. Try something new. It doesn't happen overnight.
Keep in mind that cardio isn't the only tool against fat loss. Diet modification is a MUCH stronger agent in fat loss and body sculpting.