Olaf: (whispering to himself) be the bank...be the bank...
Lol). So funny). Nice work).
I love Elsa. My favourite character in "Frozen".
If it is supposed to illustrate Elsa's time in the mountains before Elsa finds out about the eternal winter (which it actually couldn't, given that she hadn't created Marshmallow yet and hadn't met Olaf yet), then that was a time when Elsa thought she could never go back to Arendelle because she was a danger to it. Therefore, since she believed that she had to remain exiled forever for the safety of Arendelle, why shouldn't she try to enjoy her time? It's like a prisoner in solitary confinement trying to entertain themselves in their prison cell.
Either Elsa was already governing the kingdom or, what would more likely have been the case, a Regent was in place till Elsa came of age.
But this is all beside the point. I LOVE your illustration. LOVE IT. I'd be thrilled if you would ever feel inclined to depict more scenes of Elsa's time alone (alone or with her snow creations) in her winter wonderland.