Before choosing the pre paid debit card the option to review the terms was given and you had to agree to them and the refund processing service 3 times in the program. Failure for you to read or understand the rules/regulations on how all pre paid debit cards work is not an error of the TT program. You had to be 18 or older to get the debit card and use the refund processing service so it is your responsibility as an adult to make the informed decision to use or not use the service. Since you used a DIY program then it is up to you to educate yourself on these options. TT did their part by providing the information and there is no lawyer in the world that will take up this "class action lawsuit" when you signed a legal agreement.
Sorry if this answer seems cold but it is the honest truth. I don't know anyone who should ever use the card or the refund processing service if they can avoid it. For $5 you can get a pre paid card at any store to use the get the refund deposited. Others say that CHIME is a good alternative as well.
In the future ... if you qualify you can use one of the 10 IRS FREE FILE options that are available mid January ... for 2020 your AGI must be $72K or less ... https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
