Ahhhh but she wouldn't have such a strong (albeit negative) reaction to Zuko if he didn't affect her
And so many people wouldn't be speculating about the possibility of relationships if the writers hadn't added just enough basis for us all to be made curious.
Is Katara feeling threatened/territorial for Aang or herself?
The fundamental story is based on the concept for the need and restoration of balance (both external and internal). By their very natures Zuko and Katara compliment and balance one another. They are similar but opposites who test one anothers' prejudices and uncertainties. They are equal in temper and self-righteousness. The possibility of any union between them seems impossible and yet significant, if they could put their differences aside.
Katara has a tendency to hide behind her 'duty/responsibility' to Aang. Even her flirtation with him is safe in that it's on her terms. She's never been truly tested outside of her commitment to Aang's mission. She has yet to evolve significantly as a character. Zuko is the unpredictable and self-posessed element.