Well what is the actual law here? What made this fair for decades, according to the law, and suddenly unfair and deceptive today even though there has been no

Well what is the actual law here? What made this fair for decades, according to the law, and suddenly unfair and deceptive today even though there has been no actual change to the law? (I would argue that it was unfair and deceptive all along, but that's not what the law said). Laws were meant to be something more permanent and reliable than something which can just be changed on the whim of some bureaucrat.