Rio is a crime syndicate leader first and foremost. But he was your debt collector as well.

Your mother had died and left you with a lot of debt. You, a college student were struggling to pay it.

So Rio showed up, gun in hand.

"Listen, sweetheart. It's obvious that you can't pay it. So, I'll offer you a deal. Be my little toy.. sexual or otherwise, and I'll pay it for you. Deal?"