Ugh. It seems I lost my Presto Card and access to the funds I loaded yesterday

Last night it was pissing down something fierce before I exited the bus so I gather in between wrestling with the hood of my jacket and other fumbling, I must have dropped my Presto card.
I can picture it now, lying in the grass. Maybe it's lying in the gutter. Maybe it's been carried down to the sewer. Maybe it's in a big sewer pipe floating towards Lake Ontario.
Le sigh.
All I know is that when the bus pulled up to the curb this morning and I reached into the pocket of my purse where I keep my card, it wasn't there.
Mr. Very Understanding Bus Driver Who Was New let me ride to the station. While on the bus, I tore my purse apart. No dice.
At the station, the GO attendant put my lost card on a hotlist and gave me a temporary card that I loaded with $60.00.
Oh, here's the kicker, boys and girls. Yesterday morning, at 9:15, I loaded $150 on the card using Presto's website and subsequent taps for the ride home hadn't transferred the balance to the card.
There's $150 of my money floating around in banking cyberspace that I won't see again until:

• Someone finds my lost card and taps it (the balance will transfer but the card then locks)
• I find my card and tap it, but I wouldn't be able to use it because I would have to unlock it by calling Presto
• 30 days from yesterday has passed. I won't see that money again until Dec 12.

I don't know who designed this system but that's pretty shitty.
Thankfully, it's not going to hurt me financially as I can manage to pay for my transit between now and then, but I immediately think about people who live paycheque to paycheque.
I'm hoping someone does me a favour and finds my card and taps it, thinking they'll get a free ride. The only way Presto can transfer the $150.00 I loaded yesterday over to my replacement card is the money has to be transferred to the chip on that card.
If the balance doesn't transfer by December 12, the money will be returned to my bank account. Until the money is transferred, I don't have access to it.
The current balance of my lost card is $23.33. Tomorrow, I can call Presto and have that balance transferred over to my replacement card.
I've been told not to register the replacement card. We all know that having lost this card now jeopardizes my eligibility for the transit tax credit for the month of November.
Once I am sure my old card is indeed gone forever, I will register the new card and like the good, mistrustful person I am, I've been downloading my transit usage reports monthly. I have a record of all of my trips for September to October.
Presto doesn't transfer over your transit usage to replacement cards. I stand corrected. 
The only thing I am grateful for is that I no longer deal with passes. Had I lost my monthly pass for November, there would be no $286.00 finding its way back to my bank account on December 12.