Why, of course! You've hit the nail on the head! Daisy is a naive little flirt who does not consider the consequences of her actions.
I know this because Henry James made sure to repeat this point until even the dullest of his readers would know it. According to my casual search, the word "innocent" is used to describe Daisy seven times--no small coincidence for an author with a vocabulary like Henry James's!
Daisy accepts Winterbourne's offer of an unchaperoned boatride across the lake without a thought about the scandal that it would probably create.
More importantly, she flirts with Giovanelli without giving a thought to the possibility that he is interested primarily in her father's money. And tragically, she accepts Giovanelli's offer of a midnight stroll through the Coliseum despite Winterbourne's warnings that it is a "nest of malaria."