Health – I assume you have learned some gemara over the course of your life. Can you really say, with certainty, that no RY has come out against what you are quoting R Lamm as saying !? (I say “you assume” because what you just typed is definitely not a direct quote, and you’ll have to forgive me for taking your interpretation with a grain of salt).
Eidim can only testify that one did not pay back a loan in their presence, not that it was never paid back at all! IF what you are saying is close to the truth, you still cant throw everybody associated with YU into that group…
and btw, in any case, how much is R lamm involved with YU these days? I didn’t go to YU in previous years, all I know is what it’s like now – and so I can say it IS run according to halacha – and you haven’t brought any evidence to the contrary either.