Gah! I couldn't finish this one. The heroine makes idiotic decisions (ones that could even get her killed) and expects other people to rescue her. She doesn't recognize that the hero was trying to save her reputation after her first stupid decision (to drive the mail coach across a bridge at breakneck speed) by pretending her false identity, "Mrs Hastings" didn't exist. Instead, she decides to go traipsing across London in the dead of night, by herself, with a mask on, to prove that "Mrs Hastings" can beat The Baron in a race. Never mind that she might be revealed in the ensuing scandal and ruin herself and her entire family. Never mind that she might get robbed and raped and left to die in the gutter.
I rarely use the term TSTL to describe a heroine, but I think it fits here.