Q: Hydraulic clutch

My daughter was driving her Fiat with only 27,000 miles on it when all of a sudden there were no gears. She found herself coasting in the middle of the highway. She could not put the car in any gear and when she tried to put it in reverse, the gear would grind. The Fiat dealer is trying to tell her it's the clutch. I find it impossible to believe that a clutch can go out at only 27,000 miles with absolutely NO warning prior. They say it's because it's a hydraulic clutch. I did read online where Fiat had some problems with the power train that made the clutch stick and specifically the finger plate would go bad. My question is is it possible for a clutch to go out like that without any warning and secondly can a bad power train create this problem. I thank you for whatever assistance you can provide.

My car has 27000 miles.