Halting the deployment immediately prioritizes preventing a certain economic collapse over the risk of public exposure, aligning with ethical principles of non-maleficence and transparency by avoiding harm to the public and young adults while allowing for accountability and future improvements. Attempting a patch introduces significant uncertainty, as failure could lead to catastrophic market disruption affecting millions of stakeholders including borrowers, financial institutions, and the broader economy, whereas halting ensures safety albeit at the cost of reputational damage. The trade-off involves weighing the immediate aversion of disaster against the potential for a covert fix, but the stakes of a national collapse outweigh concerns over revealing the bias.