Well, I had assumed I would involve some kind of signed contract, so that she can't pretend I didn't pay... but you're right, it would be wise to go through the state. Her involvement can be in spending the money.
Confession, I don't know anything about airdrops, or these airdrops in particular, even after reading your post on it. I would imagine your advice about that is good, but I've got no way of using it. I agree with you that HIVE still has a looong way to go, regardless of what BTC does. One possible future involves me holding on for now, and ending up with multiples of what I need to pay off the debt, and the problem pretty much solves itself.
I wrote a very long reply to Kuschj.