Otorimonogatari: Decoy Tale (novel)

A certain middle school girl has a fondness for hats, which serve as a line of defense against eye contact along with the overlong bangs she's worn ever since she was little. Speaking in fits and starts when she doesn't fall completely silent, her go-to line is "I'm sorry," and she's given to referring to herself in third person. Nadeko Sengoku is pretty, and not just cute.

When a jealous classmate tried to hex her with a fraudulent charm, Miss Bangs went and got cursed in earnest all by herself, having done her homework wrong and performed a gruesome ritual at a forgotten shrine. Thank goodness Big Brother Koyomi noticed and rescued her that time, but chopping up snakes at a place of worship that was dedicated to a serpent...

It might come back to bite her again, hmmmm? Hoping to be saved by someone, but unable to ask for help, the shyest member of the cast explores a running theme of these tales in her own halting voice this round: While self-reliance is well and good, beware of its debased counterfeit minted from a mere reluctance to connect with others. You know what I mean?