You start the game with 5 cards, 5 resources, and most scenarios are well over 6-7 rounds. This card will never take 4 actions to play and to suggest it would is absurd. The card has a pretty solid negative in my opinion: a single intellect icon isn't going to impress anyone. Losing a card for a single intellect point is pretty rough. But the benefits are quite nice.
First, she replaces herself and adds 1 card to your hand after she enters play, meaning you don't lose any skill test potential from committing. Second, she increases your hand size which, again, directly improves your potential skill test modifiers through committing cards. Finally, she provides an essential 2 Sanity for our mentally fragile investigator Roland Banks. Sure, Roland runs a little poor, so maybe spending money to draw cards isn't high on your to-do list.
Overall I think this card is a solid include for Roland. Keeping your hand size up and drawing cards is useful to make sure you have Vicious Blow, Evidence! and Shortcut in your hand for the exact moment that you need them. Sure, she is stealing the ally slot from Beat Cop and Guard Dog, but both of those allies have the potential to leave play when the situation calls for it. When your allies are more transient than someone like Leo De Luca (who you really don't want to die) then your deck has room for more allies. More allies with HP means you don't need to rely on evasion, and you can just take a hit once in a while. Who cares about your wimpy Assistant if you've got the police on speed dial?