I'll raise your disagreement by 1

Bella is judgmental. How many times does she judge Nika on his looks and lack of wealth? And the same for MIla, but that's a different thing as we discover there is bad blood, but she still judges Mila on her poverty, much like the people she despises. And doesn't she judge the Holgersons without having any real proof of anything? Our whole perspective on Stefan is biased on Bella's judgment. THen the way she talks at the diner, also judging people for ostentatious wealth. And judging NIka over Elsa being out of his league and him staring hopelessly...
Bigoted, well see above. She is bigoted toward poor people, and poor people germs.
Cowardly, well, okay, not so accurate a descriptor, but about as equivalent as it applies to Mila. As Mila was beaten up her whole life, does coward really suit her? In her case it's pavlovian reflex, learned behaviour. Mila also has stood up for people, so coward doesn't fully describe her.
Edit: I focused on that bit and didn't flesh out my reply. 'she will do 10x what was done to her.' This is what most bullies start from. This is why she bullied Nami, sight unseen (how did that even happen?). Both Bella and Vanessa I have trouble with, in that I wouldn't be friends with them in real life, because I'd be switched off by their antics. As characters in an AVN, they stir up a lot of narrative choices, so they're great as antagonists, even if they're not 100% intended as such. Having such polarising characters works wonders for the depth of the story and where it can go. I imagine Adrianna will be similarly feisty.
In the same way, Kate is not meant to be a nice character, and her motives are underhanded. I can't wait to see how Ocean shoehorns her into the drama, much in the same way Vanessa is dangerous - but because of her connections to the Holgersons though, the magnitude of how she can screw Nika up is much higher than anything Kate can do.
It'll be interesting to see how nasty a piece of work Melanie is. I wonder if she'll be hidden in the background somewhere this update - I'm guessing it's too early to actually interact with her this next chapter.