If Bill Clinton had been a street person Monica would have had the wit to reject him. Monica wanted what Hillary had... it was greed. The feminine version ...That's what Bill Clinton played on...typical con artist and mark.
There were no good guys or innocents there. And remember, all of this was happening during a moment of national crisis. The government was under a budget shutdown and Bill was dealing with the war in the Balkans in the phone while she serviced him.