Your friend will need "access to sufficient funds to support themselves during their stay". This can be as low as "nothing" if a local resident is waiting outside to pick them up, "access" in this example being your wallet. A lot will depend on what the immigration agent thinks of your friend (and/or you) when they approach the desk. Clothing, accessories, baggage are all part of the process. If you look moderately well off (not rich, just comfortable - the trip might be expensive for you but it's not beyond your means) then they won't ask further. Possession of a credit card will be assumed unless you provide reason to assume otherwise.
If you look like a "USA on $20/day" backpacker, a refugee, or anyone else who may need to do things like get an (illegal) job to pay their way then they will want to see some cash and/or a functional bank card, itinerary, local contacts, return ticket etc.
So just tell Miss Chile to dress nice, check her hair before landing, smile and be pleasant. You do the same - be the person immigration will take one look at and say "no problem". An Armani suit might be a bit much if its a weekend arrival but Hugo Boss casual wear will work. LL Bean at least.