You have 2 choices.
1)Accept her how she is. Period. Her being spoiled is her problem and her parent's problem and nothing to do with you. If you love her and find security in the relationship with her and want her in your life, that's it. I have to "turn a blind ear" (close as I could get to the saying) to lots of the crazy "problems" of one of my closest friends, but he's an adult, he's always been dysfunctional and blaming the world for his problems, and he always will be. When I can't deal, I don't talk to him for a while. Similarly, some of my close friends have gone by the wayside over the years when we're just too different.
Option 2) Don't be her friend. Keep at and arms length until it tapers off. Sounds like she is a sad person who benefits from having you in her life, but you are being kind of mean by dissecting all of her flaws to yourself and she would be very hurt and not want to be your friend if she knew how you felt. (I've done it too, not judging, but when you cant' take it anymore, you should cut her loose, not keep 'hating').
If you are honest with her the next time she complains about money, you could say something like, "Don't hate me, but your parents have supported you a long time, you shouldn't complain" and the friendship will naturally break up because honest talks are sometimes hurtful and cause resentment rightfully or not. That way you sort of let her make the call.
Usually I've just stopped contact rather than ignite the conversation that would stop contact, but that's just me. Sometimes it's not worth the stress when you know the person won't change (and they won't-this girl's parents have enabled her to have this fairly irreversible sense of entitlement).
Basically, you're better than her. Ok. More accomplished, not spoiled, more loved ones in your life, more friends, more money, not a virgin etc. Don't lord it over her in your heart.
Accept her or cut her loose.
Also, when I really think about it, I have only cut loose the people who end up being totally mean or disrespectful to me one too many times. Like the ones who over the years, never invite you to glamorous events (even ones they were told to invite you to by the host you find out later) to make sure you don't network and pooh pooh your friends and say horrible things about them, but then when they are homeless and need places to stay, they want to get to know all your now successful friends with nice houses (who weren't cool enough years before...) and they always take take take from people and then end up feeling like people didnt' give them enough, and they never pay back money.....You know. Those types. If she's nice to you, but just a mess in her own life, I'd probably hang in there and try to help if it wasn't futile. Or I'd just accept her.