It's probably the angle, but it sure looks like Elena is wielding some sort of oppai pistol.
People always say Maya expects other people to solve her problems, but that's not true. Maya has always tried to solve her problem herself. Indeed, if you recall Maya was famously tight lipped about about her problems. Even at the end of Episode 6 when the HOT free tuition is revealed to be a lie, it was
Josy who called the MC in, not Maya. Maya is despondent but she isn't asking the MC to fix things for her declines his $5000 when he offers it.
So Maya's problem isn't passivity, it's that she is looking for a quick, one-step solution when she should be taking an incremental approach. Getting a job would give her some short term options (like hiring a lawyer), and in the long run could obviate the problem eventually.
Now to be fair, from what we can tell Maya didn't have a lot of freedom growing up so she probably has very little experience with employment and finance (we know Patrick wouldn't even let her get a summer job picking strawberries). That can partially explain why Maya isn't thinking in incremental terms - she's a bit like Rusty when his dad refused to pay to repair the mansion.
But that excuse can only go so far; Maya's smart enough she should grasp the concept eventually, and we see signs of that when she mentions trying to finish college early to shorten her time under Patrick's thumb. But for whatever reason she can't seem to take the next step and realize the same principles apply to her debt, and unfortunately neither the MC nor Josy bother to point it our to her.
Eh, I think there's
some question; what we've seen and learned of Patrick doesn't mesh all that smoothly with him being a low-level used-car salesman. But unless DPC plans to give Patrick a non-evil twin brother, the resemblance is too similar to be dismissed.