The Torah is what it is--the reason the universe was created.
I think we are discussing two different things.
The 613 (or whatever) mitzva vs. the overall Torah.
The 613 mitzvah (what I am calling “the Law”) set a standard of behavior that appears to be a minimum to me. One can always do MORE, and, in fact, is encouraged to do so.
This dalliance around charging interest, for example, appears to violate the spirit of the Law, even if it somehow complies with the Letter (which I don’t think it does).