- Jul 7, 2017
- 541
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No that doesn't make sense either.
I'll go from how it is in the US because that's what I'm most familiar with, banking laws are similar enough in most countries that we can speak broadly here based on US law.
First of all the Loan. Given the facts that are laid out in game dialogue, although even this is a muddled given the way DPC wrote it. At the end of Ep6 Maya says that her Father co-signed her student loan and is now holding the money back to keep her from being with Josy. This is FALSE, in most student loans the money is sent directly from the bank to the College. Even in cases where the person who took the loan out receives the money, that money would go to Maya not her Father. So this is also FALSE.
Then to complicate things further in Ep7 DPC has Maya tell us that it was her Father who took out the loan and that she was the co-signer. This is FALSE. No loan officer is going to let a penniless teenager co-sign for a loan. Why am I so sure of this? Because the bank doesn't want to be shut down by the government and the loan officer doesn't want to go to jail, and that's exactly what would happen if a government regulator ever saw that loan application.
Next the Money. While applying for a loan the question will be asked what is the purpose of this loan? It could be for many things, to buy a house or car. To start a business. Or to pay for education. This is the Law, it's part of a series of laws to prevent money laundering, the bank will require proof that the money has been used for it's intended purpose.
And this is the point where everything falls apart. If Patrick does not let Maya use the money to pay for college then the bank is going to come and take it back.
This also addresses the idea that Patrick borrowed money from someone other than a bank. Lending is licensed in most of the world, in fact any money passing through international banks or lending institutions requires documentation similar to that I outlined above on the purpose of the money. This is also a part of laws to prevent money laundering.
So there is no way in any modern world scenario that Patrick could use money to force Maya to not date Josy.
You're still making wild assumptions. Laws surrounding money lending are not half as stringent as you think. You've just written a shit load about banks and whatever... loan officers. They're not the only people on earth lending out money. Yeah, organised money lending from formal institutions have guidelines but at the other end of the spectrum two people can verbally agree a loan and it's legally binding. Money laundering laws don't apply to everything in the universe.
This isn't a plot hole. You're making it a plot hole by assuming the nature of the loan from perhaps two lines of dialogue. All this about banks, loan officers... "student loans"... this is all an assumption about the nature of the loan. It's a shit storyline but deep diving into criticisms of it born from assumption wastes everyone's time.
The laws in this fictional country are not known to us. Even if we start making assumptions based on reality there are ways around these things. For all we know she got a fucking tribal loan from some native American reservation (entirely bypassing alllllll you just wrote by operating in the grey areas of the law in a similar vein to their casinos).
No bank would operate like this, no formal student loan would... for the record I believe this is just DPC coming up with a contrived story element and he didn't think it through but despite that my point was there are other ways to borrow money and no matter how unlikely they are everyone needs to just accept it for what it is rather than deep diving into the law and consulting with their sister lawyers, usury uncles or fucking fiduciary fiancees to get a "professional" opinion on the legality of loans in a damn titty game.