Yes they are. We assume laws are like in any developed country. I'm sure we all think rape and burglary is illegal and punished in BaDIK, for example. There may be small differences, an american will see some things different from an european so sometimes context is needed.The laws in this fictional country are not known to us.
In a realistic setting like BaDIK you need extra context when something extraordinary happens (like a flying unicorn), you have to explain it right to get suspension of disbelief, otherwise you'll think "no way".
The problem with the loan it's that is badly explained because using a loan to blackmail Maya is a little bit convoluted, most people don't know/don't understand how to do that/don't know if it's possible.
I can accept the loan as an effective blackmail device but that doesn't mean you have to dismiss lawyers and professional help, because BaDik is a realistic world. That may very well be a solution, we don't know what is going to happen.