How Gemma ended up at Lumon

After the latest episode I am 100% convinced Gemma is at Lumon/severed on her own volition. I am not sure how or why, but I think the cloning/kidnapping theories are assuming too much.

A possibility I'm suspecting- Irving had a note about an individual where a car crash settlement led them to a severed procedure. Burt talked about having gone down a bad path and saving his soul via severance. I am wondering if Lumon targets criminals facing severe jail time and offering a way out by severing themselves. Their life as they know it would end, but that's arguably a better option than spending life in prison. Lumon could easily have the influence over law enforcement to do this, and it would essentially kill the criminal while "freeing" them and their soul. What if Gemma was at fault for the accident and seriously harmed or killed another person? Drunk driving? We know very little about her and she could have had issues with alcohol that mirror Mark's.