I like to think I'm pretty good at understanding legal issues, but frankly, I cannot follow your question, for all the legal jargon you've inserted.
As a matter of law the UCC must be interpreted in conjunction with a host of Federal Reserve Regulations, and there is a lot of disagreement about what the state of the law really is, because the UCC is written in language that is exceptionally broad, and the Federal Reserve Regulations (E, CC, etc.) are written very precisely.
If you really want to have a useful dialog about this issue, may I suggest that you describe a single transaction, and then ask yourself, "How am I damaged by this transaction?"
If your answer is "I'm not," then you don't actually have a legal issue. This is not meant to be offensive, but, sometimes in the pursuit of a legal answer, we get wound up in irrelevancies, and without damages, no court will consider the issue, no matter how fascinating in may be in the abstract.
That said, if you can find some damage, and describe it, then maybe we can discuss how the various laws ma interact to either support or oppose your position.
Or, you can tell me to get lost and someone else will probably be happy to jump into your hypothetical. I just prefer real controversies.
Let me know, if you want to proceed.
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