I agree with you.
In real life such a convenient deal would be ridiculous, to the point that maybe Mafia should sue L&P for misrepresenting their category
Even if Don Morello can be considered a "high class" mobster, more business oriented then a violent one, it's difficult to think that a simple prison visit, no matter how far Sophia goes, is enough to free them from the debt or at least a big chunk of it.
Python:
dm "You see, before anything, and everything... I am a businessman. My interests are in solving problems strategically, and efficiently."
dm "So, finishing you off... That wouldn't benefit me at all! It's an antiquated, and stereotypical view of our business."
[...]
dm "The money isn't actually what's important to me here. It's the principle. A man reaps what he sows."
dm "But most of all, it hurts me that such a lovely woman has to suffer under the foolishness of her spouse."
dm "I therefore propose you a special deal... A way to redeem a big part of the debt, and keep your home intact."
[...]
dm "After that, we'll talk about your debts once more. I might even consider freeing you from all of them!"
The only thing that can actually make the story a bit more believable is the "Family" and the high value that it plays in the Mafia world. Since Morello seems not so greedy about money it can make sense that he values the well-being of his family so much to propose the deal (also to keep Larry calm and avoid any temptation in "singing"). Seen from this point of view it's not so out of the world, but still it is quite odd even for the Mafia world.
This is for what we know from the story and the small pieces of information from the dev. I'm not digging into other theories that we explored in the past for which the gambling was a set up or Liam was already in debt etc.
For what has to come, according to
what the dev said (thanks
KillJoys ) Larry's points (i.e. how far Sophia went) could matter for the help that she can receive from Morello.
Possibilities are endless and it's difficult to say. L&P seems to suggest that just visiting without giving too much to Larry is enough to get rid of the debt. Probably getting to the cumare status (i.e. without showing the breast and anything after that) will grant the "protection" and the favor to ask. There could be a finer grained set of outcomes based on Larry's point but that will make things more complicated (branches etc)
Again, I agree that it is unrealistic to have such a good deal + "protection" for just a prison visit. The only thing that can make it a more believable is, again, the Family and the particular "honor" system that rules the Mafia world. I think we are again the conditional realism realm or/and we can grant L&P an artistic licence.
As for the choices of asking Morello's help and who should "sleep with the fishes" I see the potential for Sophia to choose between the lesser of the two evils (Morello or deal with Aiden/Bennet alone), as the favor could come with some "strings attached" or at the very least accepting to be part of the "Family" is not a choice that someone (at least in real life) could make with a light heart, once you are in the Family you cannot quit...