Based on what I can gather from this, "Carrot" just seems like the kind of person that gets on your nerves. Unfortunately there's not much you can do to "train" yourself to tolerate her, that's just how it is. Out of all the options you've listed, I would definitely recommend talking to her since the others are either illegal or unnecessarily harsh. Tell her that you don't think her behaviour is acceptable, and that if she's not willing to get her act together you'll cut her off. Word it nicely if you so desire, but leave no room for misinterpretation.