That is to address a different problem, and would not have worked in this case.

Well, it can address this problem as well but you would have needed to wait until the problem was fixed, which is a time you wouldn't reasonably wait unless the transaction was extremely large value.

Maybe a take away point from all this is that even if you are doing just a 20K transaction you should still wait 24+ hours to make sure a bug of this nature isn't occurring.

That presumes that the problem will be noticed and fixed within 24 hours, which is likely, but still depends on the developers fixing things. Which isn't so decentralised.