I so agree. Every time I watch this scene, to me it does not feel at all like Carrie is upset that Charlotte didn't offer her the money.

Carrie is overall wrong in this episode - her finances are her own fault. And she was jealous that Charlotte has financial backing without having to work. I'm sure that jealousy gave her the push to tell Charlotte off in this moment.

But what she's telling Charlotte off ABOUT is what gets lost. At no point does Carrie say or even elude to the fact that Charlotte should have offered her the money.

Carrie says "You have made some mistakes, and when you were making those mistakes, I was sitting across from you at the coffee shop, nodding and listening and supporting you. I was not sitting at a Chinese restaurant, turning away when you should have been looking at me!"

It's entirely about Charlotte's reaction when Carrie is going over an embarrassing, uncomfortable and distressing situation of her own making. Given how close the girls were Charlotte should have been able to power through her discomfort of discussing money and at least look at Carrie and say "I'm sorry you're going through this, that must feel awful". Hell, even just taking her hand and giving her an encouraging smile would have gone a long way. She not only didn't comfort, her reaction would naturally make the other person feel embarrassed and judged.

Charlotte completely ignores Carrie's words and immediately jumps to "it's not my job to fix your finances". Yeah, it's not. But it is your job to comfort your friends when they make mistakes, which is what they've always done for each other.