That is certainly one possibility. Another is that they may be reluctant to wear a FEMA logo that would make them the target of the crazies that are among us.
I found the comments to be humorous but in keeping with the spirit of the conspiracies surrounding the FEMA response, I suggest she inadvertently reveled the existence of "ghost employees". I pulled the below salary information from the FEMA web site, these people are well paid but as Director she may want supplemental income that is afforded by ghost employee salary payments to her secret account.
"FEDERAL EMERGENCY MANAGEMENT AGENCY Salaries Highest salary at FEDERAL EMERGENCY MANAGEMENT AGENCY in year 2016 was $185,100. Number of employees at FEDERAL EMERGENCY MANAGEMENT AGENCY in year 2016 was 14,344. Average annual salary was $75,330 and median salary was $71,302. FEDERAL EMERGENCY MANAGEMENT AGENCY average salary is 61 percent higher than USA average and median salary is 64 percent higher than USA median salary."
I don't know what affect the Biden/Harris inflation has had on these numbers but I'm pretty sure they have not gone down.
Other people may have a different own take on her comments.