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After nearly a year of watching Koseki Bijou and extensive contemplation, I am here to revoke her instant loss card.
A common instant loss trope is the experienced Lv 100 heroine who just beat up the demon king jobbing to the Lv 1 shitter mob for no good reason, yes, but she still has to be acting like the obvious winner before jobbing.
Koseki Bijou completely swaps personas when playing seriously and then swaps back immediately after leaving the boss room to acting like she's never held a controller before in her life. She behaves like someone you'd already expect to be filtered by basic enemies, therefore she cannot be instant lossing. That would be like saying the heroine lost to dick when she wanted the dick at the start of the doujin to begin with.
Therefore, the more scientifically accurate term would be to say Koseki Bijou plays like a schizo, fitting for her lore as a magical bearer of schizo pestilence.