I think I understand what you’re saying but this is a warped take.So far, everyone's been fixated on this happening at all. I personally struggle to empathize with the strength of the reactions to this, especially when this was telegraphed in the previous installment.
That said, I think everyone's missing something crucial: this is happening to Hanabi because she's trying to be a better person. The blackmail material at hand, as far as either her or Kirigaya are concerned, doesn't have anything to do with her, but with some other third party she's spent most of this manga feeling slighted by. If she didn't care about Souma, and didn't care about wanting to not be an asshole anymore, she wouldn't lose anything by doing nothing.
She can make choices and respond to things that are happening to her. But she’s being turned out because of her blackmailer. If she had the same thoughts and feelings but there was no blackmailer involved, this wouldn’t be happening.
It’s like saying because I chose to walk down this sidewalk I’m responsible for the meteor that struck me while I was out.
There’s a thing in this world called “bad luck”.