Reactive inciting incident

As I was asked:

Reactive means passive or reacting to something else rather than seeking to change your life.

Inciting incident is the thing that starts the story.

In my current mess in progress, the heroine agrees to do something for her brother. Her sole reason for encountering the hero has to do with her brother. And she is on the back foot the entire time. She is constantly running to stay in place, rather than making changes. Given a choice, she chooses the wrong one. The brother dominates ...