You only need a regular drivers's license for under 50 cc and the scooter/moped must be licensed. Most states require liability insurance too. Progressive sell a basic policy for about $65 for clean record drivers.
Buzzing around on a $2,000 Honda or Yamaha scooter sure makes more sense than beating up a $10,000 golf cart. Faster too. I've put 11,000 miles on mine, and I'm only here part time.
Don't let her even consider an off brand scooter from China. They are good for maybe 600 miles, then so sorry: no parts, no fixing. Pure junk!
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All of us could take a lesson from the weather. It pays no attention to criticism.
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