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Okay, even if we goes canonical order, even though the recent episode revealed a lot more, lets do it.
first of All Maya told us, that her Father was FURIOUS when he learned about her and Josy. She then thought he calmed down, only to put this contract in front of her, that is the big draged out loan story as we well aware.
We saw, Derek warning Maya about her Dad, we saw the her Dad leaving her room, we find out that he has a key to her dorm room, - and somehow Maya think its is perfectly fine that Josy is staying there.
only one conversation between MC and Patrick was enough for MC to be like " What the Fuck Maya?! " . And she living with this man at least 19 years now.
and the recent episode revealed it is not even a n isolated incident, but a constant thing. Derek even say when MC running after maya, that : " No, Not like this "
so to say that Maya should trust her father blindly , and should absolutely not see this one coming is a hard stretch.
you can give her an excuse that abused victims are often not blames their abusers, especially if they are family member, but yeah, she Knew what her Father is.
whether i like maya or not, is not matter, I have now have all the puzzles in place, and I can honestly make the conclusion of Maya weak explanation, that " You should trust your parent "
its makes her look like an idiot.