Yeah, it's a major flaw in her character. I believe she has a kind of 'innocent until proven guilty' mindset, which means to her, everyone around her is worthy of some level of trust until proven otherwise. I'd describe it as being multi-leveled, with there being 3 levels: high trust, average, and low/no trust. She allows the new people in her life the average trust level, mildly believing what they say, and just conversing with them on the surface without getting personal. That's how it started out with Quinn. She took Quinn's word for the tuition and wasn't very skeptical about it, which turned out to be a huge mistake. As for Patrick, I believe she regarded him as 'high/average trust' as he was her father, and possibly they had a good relationship when she was a kid, which took a turn for the worse now.
that without a doubt
but the contrast remains between how much she is willing to trust her two main tormentors, and how much she finds it difficult to trust MC, whose every revelation seems to require a test to be passed.
Of course she trusts Quinn mainly out of desperation, but that the mistrust that Quinn deserves should be paid for by MC is, let's say, not the best.
As if trust is a finite resource and since she has to give it undeservedly to Quinn, then she can't give it deservedly to MC as well.
it is a constant in every dialogue between them to ask each other for sincerity and always to grant only a piece of it, and this constancy, personally but I don't think it was just my feeling, has created a general climate of distrust, whatever Maya says, I expect there is something more
Most of the time it's been revelations about the loan issue (which I could have done without) but other times it's been important passages, most recently the issue of the room key.
For example, we know that she was at home for a family lunch in the last chapter, so I assume that during this lunch something happened, something that will be revealed from here on.