Thanks for your query.
Firstly, without an ultrasound
scan it is difficult to say if she is having a miscarriage
The repeat scan would show whether the pregnancy
is still viable.
With minor amounts of bleeding, it is possible to have an ongoing pregnancy.
This is called a threatened abortion
In this condition, rest is advised, alongwith supportive medications, and a wait and watch approach.
The bleeding might subside, or might increase and progress to a miscarriage.
In case she DOES miscarry, it does not make sense at 41 to wait for natural conception again.
However formidable the cost, IVF is the only option for her.