Firstly, it's already been twice that Maya has helped Josy with her insecurities. Once directly and once indirectly.
In EP9 we learn from Josy herself that she has dealt with the separation of her parents, Iris and Pete, relatively well. She just doesn't visit her mother Iris Moore as often because Josy doesn't like Iris' new boyfriend, Clive. Plus, she says it herself in EP9 so she doesn't understand why Iris and Pete were once together. Yes, in EP10 Josy says that she is sad at Thanksgiving because her mother and father don't celebrate together. But that's normal.
But Josy hates Monica and Tommy and not all the reasons are known yet. With Tommy, we know from the incident with Oscar that he beats up guys who hit on Josy. I strongly suspect that this won't be the first time. The matter was actually resolved by the MC on NEUTRAL and Oscar left the party. But Tommy didn't miss the opportunity to beat Oscar anyway. The same thing must have happened several times during high school.
How could Maya have made this worse? Did Maya beat up the guys who wanted to be with Josy? You also forget that Josy initiated the relationship with Maya and not the other way around. Josy kissed Maya in the flashback from EP4. You're just distorting everything.
EP4 is not a bad example, but facts. Josy and Maya find out from the MC that they cheated on each other with him, forgive each other and say they love each other. Josy and Maya will always love each other, whether bad or good. These are the facts.
Do you ever have bad times in a relationship? Of course you have them. Josy and Maya haven't seen each other for a long time and still love each other. A bad week at college won't immediately break up their relationship. Unlikely, given their shared past and their solidarity.
I'll tell you something. The only one who will suffer from the Josy and Maya single paths is the MC. Why? Because Patrick can be convinced that Josy and Maya have separated because the other has a boyfriend. Josy and Maya will then continue to meet, just secretly. This was a plan by both of them, which Maya reveals in EP4. You can read that.