You know, when push comes the shove, you can't really learn how to handle it. You just do what you can. The thing is, that the push is finance, and the target was extremely illiterate. So even if she somehow gained calmness, and spent all her time learning how to handle such situations, she wouldn't be able to physically do it. At max she'd realize that the whole stock affair was a fraud, but there should be at least a few layers of protection against her filling law suits.
...Though, now that I think about it, if Utsui-san were really to go to the police with enough evidence to start the case, in theory I'm sure it would be possible to delay her payments upon farther investigation, since they could be related to her being defrauded. I'm not very good at credit fraud basics, but if you took a loan to pay a loan you were tricked to take, then I guess you could freeze the sub-loan while the initial one is investigated.