i'm at three hearts at this point, i've taken down mario. i still don't have the option to help with the debt. am i softlocked? do i need to restart? the options are only "you're right" when i try

oh yeah, did i soft lock myself out of the guest room at marios villa? i'm guessing thats where he keeps sofia in the share route?

The household debt is now paid in a single installment. Reach $1m and speak with Josef.

If you betray Sofia, yes, he keeps her at the guest room, if you dont do as Mario says to share Emma with him you locked that.