about what Charlotte said, it's hard to tell. We know, however, that Mrs Bennet did indulge Lydia (we don't hear of any of her other daughters getting "continual presents in money which passed to [Lydia] through her mother's hands") and Mr Bennet pretty much neglected her. If Charlotte indeed made accusations about overindulgence you are right, they would have to be aimed at Mrs Bennet - Charlotte might even know about the money, as I can easily imagine Lydia boasting to her friends of having persuaded Mamma to give her the cash for some desired object.