I disagree with Tisha (sorry Tish)

I would approach her and apologize and pay her the 25 dollars that she lost through no fault of her own. Ditto the other roommates, but that's just how I am.

I wouldn't mentally go over your relationship with her to rationalize why she doesn't speak to you now...it serves no purpose but to make her wrong and you right (hey, if that works for you then great, though)

The bottom line is that you feel guilty. Squaring everything with her will not create a friendship because you two have a personality clash, but at least you won't feel guilty and can smile and say "hi" to her in passing.