It's the 3rd time she's been cashed in on. From a kayfabe standpoint, she needs to just take out whoever has the briefcase.
Nikki might be the smartest face ever:
Can get wins over Rhea and Charlotte by wisely stalling and beating the clock.
Might be the only wrestler in history who can run up a ladder and quickly unhook a briefcase.
A faces who actually cashes in on a downed opponent to win the title.