I agree with some of this. Think about the calculus of risk and complexity vs. payout. Kidnapping seems like a high-risk, complicated, messy affair with a low liklihood of success (whatever the goal) and a high liklihood of things going sideways quickly. It seems mad, frankly. Why risk it?
Defrauding seniors of their retirement over the phone seems like a less risky and "more likely to succeed" approach to extortion. (I'm not endorsing this.) That's me assuming that the goal of a kidnapping is extortion.
I think this was something else, went sideways, and became an unplanned kidnapping.
However
@ssarahbg : What goal do you think was driving a strategy of scaring her? To what end?