To put this in better perspective for non-techies, single-file coding is something one *might* get away with in Computer Science I or an introductory programming class where learning the most basic of programming concepts along with a language take precedence over elegance and proper coding standards/style. Those people that go on to take Computer Science II or any other course in software engineering learn about modular, reusable code so that common tasks are separated from the main code so they can be used across multiple programs or apps.
An application consisting of a single file with 15k or more lines of code sounds like the classic example of spaghetti code and it sounds too large to be someone's quick and dirty program to do something on the fly with plans to clean up the code later. Even if that file was released to the public, I'm willing to bet it's so poorly written that trying to walk through the code would be an exercise in futility. The fact something like this got moved to production is scary given past stories of bad code that caused serious problems.
I'm not sure banks will be critical yet. Some areas have issued moratoriums on foreclosures, which has led banks to encourage mortgage payers to contact them to discuss adjusted payment terms. Many banks are encouraging people to make partial payments if they can afford it, and others seem willing to adjust payments in some fashion to give payers relief over the next few months until they're back to work and their finances stabilize again. The lack of interest on these mortgages will undoubtedly be a cash flow crunch for banks, but they should be OK for now unless shutdowns drag out well beyond the summer. As it is, interest rates on savings accounts are already abysmal, so it's not like banks are spending or paying out more than they have to right now.
That said, big feels for the families where nobody is able to bring in any household income right now.
Bottle return has been suspended in many places across the US; I can confirm that it's happened with stores around here. I can't recall if there were reasons beyond social distancing because -- let's face it -- any store with self-service bottle return machines has one or more machines out of order any given day, leaving people to all crowd together waiting for the one or two machines that still work.
Once that restriction lifts, I imagine there will be a run on people maxing out their bottle return refunds until they're rid of all their returnables.