Don't be silly. I just don't agree with you.
I don't see why you get so worked up when people like this game. I've mentioned there are grammatical errors, I just haven't seen an actual plot flaw. Your examples don't cut it. Characters making mistakes, or being tricked is not a plot flaw.
Now this is massively disingenuous of you. The very next line is:
Maya: "I don't know how those things work, and I trusted him."
Are you telling me you didn't read the next line, or you just ignored it because it didn't propel your argument?
It was only the one deception and Maya is still currently being deceived. She
believes it's a real threat, that is the deception.
Your point, "if it was all a deception Maya would have just told her father to go to hell to end it all" only makes sense if she's aware that it's a lie. The point is she believes it's real so she's looking for means to work around it.
Now the irony is that she is doing things (threesome sex to get into the HOTs) to circumvent the blackmail, how would her dad react if he realized what he'd pushed her into?
The game blurs the lines between parody and drama, and for a lot of players they don't see where that distinction is. The drama has to be perceived as real otherwise we just laugh it off and it doesn't bring out the emotion that I'm sure DPC wants the players to feel (going by Acting Lessons, he's definitely big on making his players emotional), but at the same time the comical scenes often cross over the threshold into parody.
Also the clothing the HOTs wear, while characters like Maya call them sluts anyway, I don't think we are expected to believe they actually parade around like that on campus (even if they do), it's purely fan service.
There's plenty of poetic licence taken for the sake of making it enjoyable (on a humor, sexual and dramatic level), but at the same time, if something is a significant plot element it shouldn't be total bollocks either.
That said, the misunderstanding people continue to have with the Maya loan drama is they are taking the one character's (Maya's) poor understanding of the loan, and then trying to call it a plot flaw when it's a character flaw.
Maya doesn't understand the loan (her exact words, "I don't know how those things work, and I trusted him"). In her mind, he tricked her into getting a loan that has her over a barrel, whereas it's quite possible the he's tricked her into
thinking he tricked her into getting a loan that has her over a barrel.
If it turns out that she really is a cosigner of a student loan that is made out to her (and not just that she thinks she is), then it's total bullshit, but at the moment we only have her word, and she doesn't even understand it.