I feel like ^that's the real crux of the issue there; whether the lead is male or female is kind of irrelevant (IMO, when you start worrying about whether a character is allowed to feel an emotion based on their gender alone, you've already lost).
So passive behavior from a lead isn't actually a problem; on the contrary, it's pretty common for an MC to start out passive and timid until they get to a 'point of no return' and begin developing as a character, usually becoming more confident and assertive over the course of the story. Boys and girls alike go through arcs like this in fiction, from Cinderella to Spider-Man.
The point at which a passive lead can become a problem is when they never actually start an arc-- they instead go through all or most of the story being passive, depending on other characters to drive the story forward and force them into different scenarios, instead of making choices of their own.
If you're telling the story that way on purpose to highlight how helpless and aimless the character is, all well and good, but if you're presenting the character as the "hero" or an influential person (as 90% of storytellers do) then you're just undermining that presentation, by failing to...actually write it. At some point your readers will start to wonder why they're the lead character if they're not leading the story anywhere.
Now when it comes to female characters specifically, I feel like writing them as timid or passive on purpose can be really interesting when it's done well, rather than motivated by something stupid like "wElL tHat's HoW girLs aRe sUpPoSEd tO aCt Like".
Like I said, it'll actually enhance the story if you highlight it. Show how this girl's habits are hindering her life, and that she wants to overcome them (even if she feels she can't, or isn't allowed to). Or, show how she clings to the idea of lacking power so that she doesn't have to make any difficult decisions (only to throw them her way anyway~). Write a tragedy where these traits ruin her life; write a triumphant story where she learns to stand up for herself; write a comedic story where that's kinda just how she is, and she needs to find a way to make it work. Anything to convince the reader that she's like this for a reason, not because you don't know what a lead character is for.