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I'm not reading all this because I can tell you don't know what you're talking about.
There's a $10k weekly cap.
Not a lifetime cap.
This also doesn't softlock you since you can still do everything you need to do (minus buying basic supplies, which you shouldn't have an issue with if you're playing remotely smart). If you did play super dumb, just let the time pass until you can sleep and repeat that until you hit Monday and can deposit more money.
And next time, play smarter.
$10k weekly cap every time, buy the businesses to launder and it'll start picking up faster and faster.