When people were crowding to see Roger Federer or Maria Sharapova up close I was one of them. We even spoke to Meryl and Charlie on Skate America - and to our surprise they spoke back to us. They turned to be regular people, like everybody else on the street.
I thought I would never approach a young female athlete, say Aga Radwanska or Carolina Costner, for an autograph or a picture, and what? I did it many times and it I didn't feel creepy doing it.
Probably I would still hesitate to approach young kids, like Yulia for example, I would send my wife for that, but as to young adults? Why not?
And what? Natalia is now a middle-aged woman, just like you, so there is completely no separation between you two. She has to earn her living just like you do. Her relationship to you is identical as yours to her. You are both regular people sharing the same life challenges. I would never be afraid to approach her and ask for a photo, or even chat about her past skating experience. Yes, when she appears unwelcoming then you need to stop, but I don't think she is like that. And that rule applies not only to former athletes, but to everybody, including your own neighbours.