Do you honestly think that would fly as an explanation in a legal proceeding? I don’t know the answer (I have a Masters in French lit & Classics), but I’d bet no, especially since...
1. increasing the lockoff premium was NOT necessary (they could have raised/lowered points and kept balance)
2. I find it hard to believe they could prove that the increase would benefit the system overall more than say, trying a seasonal shift first (which would be totally justifiable)
3. As
@TexasChick123 has pointed out, they are the more sophisticated party and the layman’s terms laid out in the videos and checklists could be considered binding