take a closer look at the text and compare what's in English to what the translator made of it in Swedish, Laurie. I fear I may bore you by this habit, but how can I help myself? This text is so complex that I would be still in somewhere near chapter 7 if I read it all in English.;-}

I gather that his adressing her as "young woman" makes Olivia feel he is placing a barrier of coldness between them? And this at a vulnerable moment when she is accusing herself thoroughly on behalf of her reprehensible behaviour. It's not altogether consistent for she just said (chap 21)
—“my own dearest good papa! Could angels be kinder! How do I deserve so much! The villain, I hate him and myself, to be a reproach to such goodness. You can’t forgive me. I know you cannot.”
and when he assures her to the contrary
The rest of my wretched life must be infamy abroad and shame at home. But alas! papa, you look much paler than you used to do. Could such a thing as I am, give as much uneasiness? Surely you have too much wisdom to take the miseries of my guilt upon yourself.”
Then follows his explanation that wisdom cannot immediately provide a defence against misfortunes. quote:wisdom makes but a slow defence against trouble, though at last a sure one

But why he should choose to adress her young womanhere, instead of my dearest lost one, my treasure...my child...my Olivia...my darling is not very clear to me.
Perhaps to make it more universally applicable. A philosopher to his audience rather than a father to his beloved daughter?

I get a feeling that Goldsmith has got a good deal of thoughts, bon mots, aphorisms, maxims or whatever one might call them and he is adding them to the text, where they often confuse me.