I did feel really disappointed when she managed to take the ticket and then thanked bhagwan you know, and I thought at the time that it puts a whole different meaning to god wanting us to help ourselves.
Also this is just the beginning of the storyline, eventually she will loose all the money very soon, what is 10 lakh, she is not thinking of opening a business (the saree business idea she had earlier) to grow the money. She has spend it on a designer saree, and make over already, fair enough a small splurge is okay once in a while, but she's saying that's it she's not going in the kitchen anymore and Kinjal can't cook, so maybe they will get a maid, but if they order out everyday, pay the agent half of the money, and they aren't careful the money will all finish.
I think the CV's didn't want Kinjal to get the money because she also is just as bad as Urmila, also she doesn't know the value of money and she spends money profusely, so the CV's are trying to teach her to value of money and want her to stay without money for a while, that's why she was watching her pennies buying local products (face cream) and not imported, when she just got married remember she used all the week's shopping money on one meal, those pasta's and sauces, nothing local all imported ingredients. So they are a lot more deserving people to win the lottery then Kinjal also, but I agree that stealing is not right, but karma will come back for Urmila somehow or the other.