You know I was thinking the same thing! Sadhna has a BIG hamd in shaping Ragini's character till now. As far as I know, Ragini has never heard "no" from Sadhna or Kaushi, or even Ranvir for that matter. Our surroundings make a huge impact on our character. Thus Ragini because of her inferiority complex was pampered throughout her life by her mother and Sadhna, especially. So Ragini never learnt how to to deal with problems- she is totally dependent on others. Yes she has suffered because of her skin color, but honestly the smothering love that she received from all did not help. When children fall, you let them get back up on their own, not fall down with them so they can get up or help them get up. If you do, they will never learn and will always have issues adjusting later in life. After Ragini got married, Ranvir also just added to this. Even though he actually tried to explain to Ragini a few times but she didn't listen, I think it's time that she gets a harsh talking to (even though my dream is that Ragini figures all of this out on her own).
I feel, more than Kaushi or Vasu, it is because of Sadhna, Ragini has become like this. Imagine if there is one person behind us all the time to ensure that we win in every aspect of life, then we will get used to winning/acquiring/getting things/happiness and everything. Ragini without knowing that Sadhna is the reason for her happiness is used to good things and pampering from others. Now also she feels that her self-respect and confidence can come only by winning the competition. She doesnt know win-loose doesnt actually relate to self-confidence. This is what Sadhna has done for her through out.
This is the best example for we parents not to treat our children like how sadhna treats Ragini. Otherwise, children will never be able to take any failures in future. We should make them independent and make them realise that most of the time they are responsible for their success-failure.