I think you're reading way too much player knowledge into the scene and not taking it at face value.
As far as the MC knows they are just two guys who don't take school seriously and have had to repeat their last year a few times. Also, Nancy and everyone else he's met that knows them says they are good dude, at worst just lazy and a little bit of troublemakers. No one he has met has described them as gangster or criminals. True we assume based on the conversation we heard that they are possible criminals, but the MC didn't hear that conversation. Not to mention that knowing Caribdis there may be a twist with their characters, and they aren't actually criminals at all. They definitely went extra on dealing with Yoga-boy, but then again, you are using player knowledge and post event knowledge to unfairly judge the scene the actions of the MC if he goes to them for help. Kia is also taking advantage of his position with Nancy too; he isn't an innocent guy here. And he's rich, who knows he may even end up being a bad guy, partners with the Alex's dad and such. And Noah and Raul accepted payment, again, the MC's original offer of 5 dollars should tell you his thoughts about it, he never anticipated anything more than them distracting him by maybe taking him aside for a chat or something, so the idea that it will end up with him owing them a favor now is not consistent with the scene as presented.
These are just my thoughts, and you are free to disagree, but I think you're being a little harsh on the scene.