So, is there any hope for the law? Can it be put back together? Will it survive?

But on a serious note, you didn't break any laws.
Did you hurt anyone or cause anyone damages? No. No law broken.

What you have is a code violation.

Since you agreed to their "drivers license" you agreed to follow their codes under the penalty of remuneration.

Know the difference between codes and laws.

You can, very seriously, state that codes are an extension of the banks.
Imagine the legal system you thought you knew, was just a branch of Wells Fargone.