The "What's the matter with you, lady?" part isn't very natural if you are making a genuine inquiry about her health. Perhaps Americans are just very rude, but when I read that, I pictured someone not doing what you expected her to do - for example, the traffic light has changed, but she doens't move her car. That's what is yelled at her.
In the U.S., "lady" is often now used, I'm sorry t