I wouldn't say you need to forgive her. Instead, respect her right to be the golddigger that she chooses to be. Then respect your own right to say, "This is not for me."

She probably can't approach life any differently from how she does. Influences molded her. This is all she knows. Accept that she is who she is, and be glad she put it out there for you to see. You don't need to be offended by her. You just need to not be played. You've decided to decline her offer. That's your right. No need to for you to feel guilty about that.