Why would you think that Roxanna was duped on the loan deal? She knew before the deal that a previous "loan" arranged by Inter Global with BTDG did not go through. The details were kept vague as the issuer was referred to only as a "top 50 bank". Based on the financial history of EMXC, it was just not reasonable to think a real bank would actually loan this amount of money to a floundering penny stock company with little to no income or tangible assets.
I think she knew from the get go that she was never going to see this money.