developing a character.

Character: our heroine/protagonist/main character.
Female, 40-ish. Middle class Mother? burdened? Is she confident? Or the loner working in a donut shop. That would set a creepier tone. Like she was a predator.
Tone---esp. if the delusions/fantasies produce near catastrophic results. That is what drives her to see the psychiatrist. ( Almost burns down the house. Kitchen fire.) If it is funny how does she seduce the young man? What is the Major Dramatic Question?