Staying home to raise a child while your partner works is a financial arrangement that couples make all the time, and it is a legitimate one. The logic that doing so created a debt owed to his grandparents requires a chain of reasoning so creative it deserves its own patent.
The argument being made here is essentially that because she did not work, her fiancé needed money, and because his grandparents provided that money, she now owes them repayment from her first year back in the workforce. This skips over several important details, including the part where she was never asked, never agreed, never signed anything, and the debt is entirely in his name, attached to decisions he made independently. The car agreement was between him and his grandparents. The insurance lapse was his choice. Her name appears nowhere in any of this except in the repayment demand.
The grandparents have also spent years making clear they do not like her, which makes the sudden financial interest in her income feel less like a reasonable request and more like an opportunity. Criticizing someone for years and then expecting access to their paycheck the moment it exists is a very specific kind of audacity.