It would not have been offensive if T had added one more line at the end saying, it would ruin Charu's and KP weedding proposal and should have added that ,yet again they(TA/T) should not be feeling guilty if KP or his family accidently sees the album and makes an issue and should have grabbed the album from Charu and kept it. Charu would have been speechless then and her talks would not have looked offensive. But I did not feel offensive for her talks, to tell the truth.
I dont think T might be able to realise that C is in disturbed state. None except GP/TA would be able to guess about C's illness as to both GP/TA the doctor had warned about C's state of mind. At that point of time both ignored doc adivice though. GP saw with his own eyes and realised she is ill. But TA is yet to see. Where as T does not have a clue and so is Lav, GW, and her parents. Even when they see C behaving all mad they would not even get a clue about her illness. They might just think that C is desperate to get things what she needs, she hinted that to T too and even before to GW/Lav. So they would be left clueless about her illness..