My two cents
It maybe very difficult to find a touring bike that can reconcile both size and the frame style your seeking.
Putting some variation of flat bars (ie. sweeps, risers,or mustache bars) on road bikes can put the rider in a more upright position but won't address the more forward bb issue. And, as one or two others have noted, cruisers tend to be less comfortable for longer rides. I would suggest trying riser bars (2 to 3 inches) with a mild sweep on either a Terry ( or a Fuji 450 SE), or any mixte style frame (if she is intent on a step through) to address the size issue. There are even some mixte style city bikes, like Retrospec's Kinney, that might come closer to addressing most of you're wants.
Last edited by RustySpokeTech; 10-30-21 at 06:43 AM.