Harry Potter: Why Do I Always Start Out in an Orphanage?

[The heroine naturally has a universally beloved charm. The story includes both the Marauders' generation and the next generation. James and Lily stay together, and so do Grindelwald and Dumbledore. Anything else is possible.]

In her previous life, she was an orphan. She studied hard, graduated, and worked diligently as a wage slave until she had saved enough for a down payment on a home. Just as she was happily rewatching Harry Potter in her rented apartment and thinking about where to buy a house, she suddenly had a heart attack. But Fate still looked kindly on her, and after dying, she transmigrated into the familiar world of Harry Potter. But why did she have to start out in an orphanage again?! Fate, are you trying to raise the next Dark Lord? Cold and hungry in the orphanage, she wept as she thought about the little nest egg she'd struggled so hard to save in her modern life, then somehow made it through until she could attend Hogwarts. With the story in hand, all she had to do was keep her head down for seven years, and a bright, wonderful future would be waiting for her!