I always understood the Law to be a minimum standard of behavior. The good “rabbis” giving the partnership document for the bank seem to be trolling for the utmost bottom acceptable level.
Sometimes, one has to take a deep breathe, start over, and ask the meaning behind the Law -— it’s to not screw people over with debt, in this instance.
(And no, I am not Jewish, but have a sweet new year.)
The Torah is what it is--the reason the universe was created.