Oil Pump problems of the 2008 Toyota Highlander

Toyota's t-sb-0201-1 should trigger a recall!! my wife was driving her '08 Highlander, with 2 CO-worker passengers, to a funeral. On 95n in danvers, MA, a motor biker pulled alongside & flagged my wife to pull over ASAP as there was smoke coming from the engine compartment and under the car. After stopping the car & waiting for the smoke to dissipate,he checked & found there was no longer any oil in the engine, the oil had emptied from the engine the last few miles while on the highway. I arrived later that morning to investigate, to discover that the oil was below the dipstick. The bottom of the engine & entire underside of the vehicle, including the exhaust system, spare tire, wheel wells, right wheels & tires & rear liftgate were coated in engine oil. The smoke apparently was from oil splashing onto the hot exhaust system, & vaporizing due to the high temp, creating a potential fire hazard. We had the car towed to the nearest Toyota dealership. They determined that an oil cooler line external to the engine - part of a towing option package the car has - had ruptured! the engine's oil had been pumped out by the oil pump. We have since discovered that Toyota had issued a technical service bulletin - t-sb-0201-11 - in December 2011 which addressed "oil seepage" from this exact oil line. Now we are $480 poorer, & we could have experienced a $10 k engine failure due to seizing, & possible injury or loss of life due to this. This TSB was never performed on our car as we had never seen spotting in our driveway from this leak. The new part installed was redesigned as solid metal tubing to fix the original rubber hose with clamps. Instead of recalling all of the affected vehicles to replace this potential life taker, Toyota simply swept it under the rug and only replaced them when someone saw a leak and only when they still were below their 36,ooo mileage warranty. Crazy!.