I don't see where the dealer is scamming anybody, if the dealer doesn't approve your first contract and calls you in to sign a new contract at a higher interest rate,,and you do,,the only person that you have scammed,,is yourself.
If the dealer claims that the first contract is null and void,,then that contract is destroyed,,and if the contract is destroyed,, there is no deal,,and if there is no deal,,then each person is free to go their seperate way.
What i don't understand is your reaction,," AHHHHHHHHH ! " You sound like you live on a very small island where the honda dealer is the only game in town,,,
Just like girls,,there are plenty of fish ( cars ) in the sea.