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What good is a ring if it sits in a safety deposit box? And who in the hell would want to wear a piece of glass when you have a diamond ring? Humber is not the ghetto, and franky, I doubt too many people pay much attention to what is on her finger or even begin to know the value of it, after all, you didn't.
Besides, I don't mean to sound nasty, but 15K is not a huge amount for an engagement ring. I am sure there are a few teachers and/or students with jewelery just as valuable, if not more. If she is old enough to get married, then she is old enough to take care of her ring and make her own decision on what to do.
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