Overall I agree that Maya is pretty well adjusted considering. But I've also said before that I think Maya's initial portrayal, which is much more confident and flirtatious than she acts in Episode 3+, is something of a facade. The real Maya aspires to be that person, but she falls short because she's an intensely private girl with a mountain of inexperience and self-doubt. When she barely knew the MC it was easy to 'fake confidence.' As she got to know him, it became a lot harder.
The reason she leans so heavily on the MC now is that he's one of the few people she's opened up to that turned out to be trustworthy. That's why her flirtatious 'act' fades as she gets to know him better, at least until very recently. It's also why she was so conflicted about trying to explain the situation with Josy.
Maya's sexual orientation was her biggest secret, and she learned the hard way that she needed to keep it secret. There was no way to explain everything to the MC without revealing that, and if he rejected her over it she'd lose her only remaining confidant. (Other than Derek, but I get the impression there are limits to how helpful Derek can be on the topic of love or sex). By the time Maya was able to admit the whole truth, it was too late.
None of which is to excuse her behavior: what Maya did was wrong no matter her reasons, and she knew that. (To her credit, she does admit her mistake in the library scene - one of the few bits that rang true, IMHO). But I do think it shows that Maya has problems beyond just her poorly conceptualized financial issue. The real question is if the game will work as hard to address these shortcomings as it does to fix her debt.