Don't pretend you don't know how. Throughout the game, Julia blatantly tries to take advantage of Monica. Recklessly throws tantrums to force Monica to have sex with her, including humiliating Monica. (Toilet scene and more). Julia's problem is that she's not very smart and Monica sees through all these attempts to use her, yet Julia keeps doing it.
Here is the full list of characters and almost all of them (except for the very unimportant ones) are trying to use Monica.
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And among them Monica has almost no real friends (except for the already mentioned
Claire and maybe
Melanie).
Monica's secretary is also very nice to her, but that doesn't make much difference.
Betty is an arrogant impostor who, together with
Ralph, has taken over Monica's property and throughout most of the game has tried to boss Monica around, humiliate and dominate her. Ralph is an old fart who didn't mind getting in Monica's pants and cheating on Betty. But both of them are Monica's property grabbers,
so they are a priori her enemies.
The only people in this game who don't try to take advantage of Monica are perhaps only irrelevant characters like bank clerks.
I could list every single person who has tried (and at times unsuccessfully) to take advantage of Monica throughout the game, with arguments and examples of such behaviour, but it would be the size of an article in the New York Times.
I do not justify Monica's bitchiness, however, unlike everyone else, she fights for her life and her freedom...And
fat bastard Dick just dumped Monica, trading her for two-faced Victoria, so don't need me to defend him here...
In the 1st episode (I remember it well) even if you make a mistake with the 1st single choice (i.e. Monica will be as polite as possible, won't be rude to Dick, etc., but somewhere will answer wrong ‘as it should be’) and that's it. This automatically leads to a final game where Dick throws Monica to the wolves.
But okay, let's go over some of the characters a little more.
Marcus is hardly the game's goaive antagonist, making Monica lose everything.
Steve is a cheeky two-faced slimeball who framed Monica and subsequently stole all her financial assets. The list of his sins is long. That's why it's easier to shoot him.
Phillip - a scary man with ties
to the Farmers, tries to use Monica as his personal whore, and later, as a willing slave.
Biff is a scumbag who illegally (with the permission of the Farmers++ conspirators) took possession of Monica's Fashion Magazine and bullied/blackmailed/e.t.c her throughout episodes 2 and 3 until he got his arse kicked by her (hopefully for good).
Fred is a lustful bastard who tries to use Monica for his own ends throughout the game by stalking her and setting her up to do inappropriate things, such as imposing a disenfranchised Monica on Julia as an ‘employee’ whose whims Monica is forced to fulfil the entire game (in exchange for ghostly promises of help with her papers/passport).
Victoria is a two-faced, conniving bitch who dirtily exploits and humiliates Monica (and Melanie) throughout the game. Works for Phillip.
Investors (Campbell and others) seek to get into
Monica's trousers in an attempt to get reciprocity. Before doing so, they collectively (and illegally) seize shares in Fashion Magazine (Biff blackmails and threatens Monica into pursuing this outcome). Regularly humiliate Monica in her office, forcing her to wear lewd outfits, participate in totally lewd and lascivious photo shoots, and have sex with them.
So don't give me any more tales of "evil Monica"...I would see how you would behave in her shoes when everyone around you is trying to fuck you, enslave you, take advantage of you or even send you to a farm where you will be fucked by all sorts of animals and cattle...I wonder if you would be friendly to these people in that situation? I very much doubt it.