Pardon me, but that is not really correct. That Veronika is a Carnation at the Club is one thing why I rank her last among the Carnations. Her real problem is not the debts, but a stubborness a mule would get green with envy!HOWEVER, Veronica has fuck all, but debt.
Can't really sell the gym, who will buy a debt ridden gym? At best it would be a scam and run, otherwise she would not make a profit or go even from what we know.
She is in so deep shit, she knows it's copium for an attempt to keep gym afloat for better days. No kid, no house/home, a faded sports glory, friends network who probably know that she burned the relationship for a gym (she might feel she burned the bridge, we don't know how badly) and quickly running out of hope for a dream, which is not that big compared to most. She is dangerously close to being a bum on the street with debts, less safety nets for her, less of a society feeling sorry for her. No wonder she feels like she is drowning, so yeah I'm leaning towards her.
It has been stated during the game several times that yes, her current gym is pulling her under, the situation there bad with a capital B. But it was also stated, among them Samson (the person responsible for most of her woes) himself, that Veronika could start fresh even now, with a new gym and live her dreams! Samson getting her into the Carnations game hinged from the start on her extreme stubborness. He even said so. Samson was surprised his manipulations worked so well since she could get away, but as said, he counted on her stubborness.