In my opinion, she's definitely not blameless, and the same ambition that her to become a White House intern also likely contributed to her life becoming a public mess. She definitely targeted him, and I don't think women, even young women, should think that ‘flirting’ with married men is in any way OK. She knew he was married, knew he had a child, and should have also known that there was no way it was going to end well for either of them.
That said, he was the ‘grown up’, was POTUS having relations with an intern, and he has a track record of these kinds of escapades both before and after Monica. Even worse and telling about his character is that he would have destroyed her reputation entirely if he could have gotten away with it and saved himself from discovery and judgment for his actions.
I was a trainer in sexual harassment (not a how to course) when it first hot the state of Calif. An older manager buffing a young intern who was dependent on him for her job, was assumed to be sexual harassment and most places had policies against it.
Implied coercion.