I there there are 2 issues here.
1)Honestly....and that's where I completely agree with you she should have posted a recent picture at least within the last year. I've had guys do this too and they think nothing of it. One guy I met was a blond in his picture but actually had dark brown hair and didn't bother to tell me before we met so I was looking for a blond when I met him and didn't recognize him. It wasn't a big deal but really but it would have been nice of him to let me know he changed his hair color so I would know he was not a no show. We actually did date awhile but distance caused things to fizzle out.
2) Self Identity. I think from what you posted that this lady may really think her photo is an accurate representation of how she looks today. Some people don't see themselves clearly or think of themselves as the same person they were 10 years ago even if age has changed things. this is also very common among men too. I hear complaints about it from other women all the time. Just keep in mind that it's best not to have expectations of who a person is or what they look like before you meet in person. Even with recent pictures people still look different to me sometimes in person then they do in their photographs.
Hope that helps.
Ouch - number two is a VERY good point. People perceive themselves a certain way regardless of what the reality is. I don't think it addresses the phone call, or the person at church, but thanks for that reminder.