Bess, being Georgiana's confidant, was very well aware of the Duchess' mounting debts. By the time Georgiana successfully delivered a healthy child, Bess was living in Turin, Italy. She was both jealous and fearful that this child would bring husband and wife closer together and she would soon be forgotten. At the time Bess was being supported by the Devonshires, but strangely enough would find herself running out of money. Is Turin a pricey place? Either way, her letters to Georgiana begged for money and contained a lot of 'I owe ya one!' which was slightly suspicious because she used to only reluctantly accept gifts of money. Georgiana's letters to Bess talk of how she would of course give Bess the money she needed, and then would consist of her thinking out-loud (via letter) about how she would manage to sneak the money to Bess with all the debts she was already worrying about. Not only was Bess well-aware of Georgiana's debts, she was not in need of extra money. She threw what money Georgiana spared to her in the bank. So much for IOUs.
12 hours ago