Look I'm on the side of "the banks are assholes and they deserve to get slammed on this" 100%. But I also know that judges are a part of a big institution (government) and the banks are also big institutions. And historically we've seen that they're in cahoots outright or something close to it.

But just because I want them to get slammed, or because they deserve to get slammed, or even that it is legally correct that they get slammed, none of those things means that they actually WILL get slammed.

Trust me I want them to get hurt on this one and for it to reform the fine print bullshit and all of that. It would be so awesome if it did happen. But I'm definitely not optimistic that it will happen.