I can understand her whining when your mum stops to talk to people, although I like a natter whilst walking I don't tend to just stand still too much, but prefer to walk and talk, often dogs do get bored, and to be honest some owners I know will stand stationarily gossiping for upto half an hour, if I were their dogs I'd be off on my own or complaining like mad too, after all it is the dog that is supposed to be getting the walk.

If I were to bump into someone who was going the opposite way and I wanted a chat with I would make sure that I carried a ball or something in my pocket so that my girl was not ignored and play with her whilst talking.
Perhaps your mum's Cav has learnt that when other humans are around she is ignored, being on her own she has no other dogs to communicate or go off and play with so feels left out and bored, which is why she vocalises her upset about the situation, or has learnt if she complains her owner will move on so is used to this habit.
All I can suggest is involving her Cav in a game that she can play whilst your mum is with other human couterparts, her hiking friends should be fun as they should be walking and not standing around, but your mum's Cav sounds to me as though she wants attention, she could practise the shush command with a treat everytime she obeys, you could teach her that! But it does not get to the problem of why she does it, which needs to be the main focus.
Being a Cav I may even be tempted to pick her up and be giving her lots of fuss whilst chatting to people to see if that helps too. Playing the ignore game which as a pup may be recommended I wouldn't bother with now at her age she is 7.5 years and to me just wants attention, she is not trained to command, and to be honest her demands aren't unreasonble. I would just concentrate on keeping her occupied one way or another.