It's probably not velvet unless she'd look like she's sprinkled with some golden-looking sand, it's very common that black fish (aside form moors) will turn golden

It sounds like a pretty tricky situation... but since you change water so often I doubt it's a water quality issue...

I think it might be something on the inside, cloudy eyes can also be symptoms of bacterial infections, so good call on the medicated food. However, this was a very expensive fish so if you can, you should probably check with a vet, just in case! She might need antibiotics or something...