How to help stubborn lonely grandma?

Gran complains about loneliness but says she can’t be bothered to join any local groups/ the local church and makes excuses.

She is very stubborn and won’t make any changes to her life like buying new things or spending money which she sees as unnecessary e.g. she loves cruising but refuses to pay the £800 insurance which she can easily afford so she can go with my aunt and cousins so she is now miserable about not going on cruises but is in the viscous of cycle of complaining about this and complaining about the cost....

She lives near to my aunt who is caring for another elderly relative and her daughter and has little time to visit and support gran, and the rest of her family live a few hours away.

Whenever we ring her or see her she complains that she hasn’t done anything or talked to anyone but whenever we suggest joining local groups or going to the local church or going to a club (art, chess, French, etc) she says she can’t be bothered or makes other excuses

Her excuses are

- she has a bad knee and can’t walk to the bus stop but she doesn’t want a scooter and doesn’t want to pay for the bus fare (even though she is practically sitting on a fortune)

- she can make a cup of coffee at home so why would she go out

- she has her computer and tv so she isn’t bored or lonely (and then in the next breath will complain about how she has nobody to talk to)

- she doesn’t want weird people in her house

- she says she has friends (talking to her neighbors maybe once a week at best and her competition club that meets once a month at best that she wants to quit)

We ask her what she would like to do and she says she doesn’t know and just wants to sit at home and watch tv. She refuses any ideas of age UKs services of lunch groups and befriending etc. It seems pretty hopeless! Please help!!!!