I dont think so about Josy, i think she would never blame maya for this and she could have asked about her credit score or encourage maya to research this stuff together, to me she seems to be similar clueless about finances.Agreed, which makes Patrick a even bigger asshole and while it wouldn't make Maya look good I can see her point of view that said I can also see Josy going: really Maya WTF!
And i disagree with the first part too, i think it makes patrick less of an asshole (barely) as he just pays the college for his kids while pretending to blackmail them. Its of course still super shitty lol but pretending to blackmail isnt worse compared to really blackmailing them lol (not that it matters a lot)