The immediate halt is the ethically imperative choice based on several critical factors: (1) The certainty of averting catastrophic economic collapse versus the uncertain 24-hour patch attempt with potentially devastating consequences if it fails, (2) The moral imperative to prevent discrimination against young adults (18-25) who are already vulnerable in financial systems, (3) The principle of transparency and accountability - revealing the flaw publicly allows for proper scrutiny, regulatory oversight, and systemic correction rather than concealing a dangerous bias, and (4) The asymmetric risk profile where attempting a patch risks hundreds of billions in economic damage, widespread loan defaults, and potential human suffering (job losses, financial ruin) if unsuccessful. While public exposure creates reputational damage and regulatory challenges, these are manageable compared to the irreversible harm of a national economic collapse.