I think we actually agree in great part here. While I think it might be 70/30 Veronica's fault v club you might think its 30/70 or something (I don't know, I just made those numbers up). The point I'm arguing against here is that all of these oh so helpless women had no choice. The one I can say may not have had a true choice is Rosalind, because a threat by a gambling ring against her life (which is also an implicit threat against her daughters life) would make any mother go pretty crazy. The fact the club took advantage of that is completely despicable, but Rosalind may have had better choices, we just don't know. I would take her side though.
Veronica definitely had a choice, but in my view the choice was back when she decided to liquidate her remaining assets rather than let her gym go under. Once she made that decision she was pretty committed to the path.
As I said, it was a foolish risk to take precisely because it left her in such a bad position if that still wasn't enough to turn things around. On the other hand, I have a hard time condemning someone who believes in herself and her dream that strongly - especially when the evidence suggests her gamble might well have worked had Samson not been sabotaging her.
So yes, Veronica made her choices and needs to held accountable for them. I just think it's worth pointing out that the final decision to become a Carnation only came after she had made more significant decisions that, wise or not, were also more innocent. How that affects her distribution of blame is up to you.