The only thing I ever cared about was whether she had any culpability BEFORE the fact. After the fact, well, that is another matter because a) the deed is now done and b) it is sort of hard to turn in your own husband.
There are two possible scenarios, as I see it.
Scenario 1: She had an inkling that something was up but probably did not know all of the details or even what they had in mind to do. Let's assume she did know "something" was up but not sure exactly what they were planning. Now, what were her options. She was not likely going to talk him out of it - her scumbag husband had dollar signs in his eye - and he was doing it for himself, not her. He saw his wife as an opportunity to get rich. Realistically, her only option, at that point, would be to go to the authorities and even there options were limited because exactly what was she going to tell them: "I think my husband and his friends are going to do something bad but I don't exactly know what it is." Yeah that would go over well. Authorities can't act on something you"think" might happen when you don't even know that the something is. If they questioned him after she alerted them, he would become even more abusive toward her.
Her best option would be to outright leave him but sometimes leaving an abusive husband is not all that easy. Worse, I read where she was told by the skating authorities that if she left him, she was finished because they did not want divorced women muddying up their pretty sport. Allegedly she was told to stay with him and not even think about divorcing him. That is what I read, anyway. One way or another, she was in a bind. There was not a clear path out for her in that scenario. If she stays with him, he is about to do something which will impact her and possible destroy her if it goes wrong. If she leaves him, she is told she can't compete as a divorced woman. Either way, she loses. It is a lose:lose scenario. The idea that she is going to talk him out of whatever he is planning is a no go because he is doing it for himself - to get rich off of his wife - not for her.
Scenrio 2: The other possibility I mull over is that she knew outright and was active in the plot - a true co-conspiratory, as it were. There was the whole handwriting thing (her handwriting) on the envelope found in the dumpster. That is rather damning and hard to explain away. The other thing which is sort of damning in my opinion is what her ex-husband said in a documentary made many years later. He said he was sorry about his role in the whole thing and that he regretted it. He ALSO said that he regretted that they ever "talked her into this thing." He acknowledged that she could have made it on her own and that in doing what he did, he/they effectively ruined her. He literally said "sorry we talked her into it." Why would he say that if it were not true? What could be his motive? To hurt her? She was already totally ruined at the time he said it so even if he hated her (which does not seem to be the case) he had nothing to gain. She was totally done in at that point. What he said just could possibly be the God's honest truth. He is sorry for what he did ......AND .....he is sorry for talking her into to doing it i.e. becoming part of the plot. In that case, she was guilty as hell and absolutely DID deserve the lifetime ban. In the first scenario, outlined above, I would cut her more slack. In that scenario, she did not have good options one way or another and the life-time ban was not just. She was either trapped with no way out (did not deserve the lifetime ban) OR she was a willing participant (did deserve the lifetime ban)