Not harsh, just realistic. She could easily file both criminal and civil charges against you if she wanted. What's to say she is ok with it today, but decides next week or next month that she is not? That text msg you sent to her telling her "after the fact" that you xfered the money would absolutely bury you in court.
Anyway, I'm glad you got your money. Hope both you and your sister get past this, and more importantly LEARN FROM IT! You both screwed up.