I do think she has time, but she would have to be willing to put in a LOT of work and make her goal 2018 not 2014. Some people don't hit their peak in the sport until 24 or 25 anyway (Kostner and Czisny come to mind as recent examples). Of course, she'd also have to dodge injury. Really though I think it is up to her. Again, she would need to be willing to candidly assess what is wrong and devote most of the next 2 seasons to fixing it, accepting she's unlikely to be in serious medal contention during that time. While I hear you about the current nature of the sport, it isn't as if she is currently 24 or 25.
Don't forget Akiko Suzuki, who didn't really get going until age 24.
Never say never!