Olga would fetch a better price for looks. Dunno about how much passion she'd have in the sack though.
Still, can't imagine Helga would take such misfortune lying down. (Nor would Bob, who we see is actually a pretty hard worker, as is his wife when given a challenge.)
Helga is probably more responsible than even an average person. She's seen what happens with her mom and substance abuse. She's seen what could happen with her older sister and blithe inattention to detail. Even to a lesser extent with her father, she's witnessed mistakes made due to arrogance.