You honestly believe that if a bank can prevent a car from starting when the loan payment is overdue, that this potential would be seen as trivial?
That was the question.
Yes. It is trivial since there is no difference between how they handle it now and how they will handle in your example.
Legally you have no recourse now, and when this new hypothetical system is implemented.
There is nothing that the company did that was incorrect, unless you did pay. There is no liability.