Respectfully disagree. I guess the argument could be made that by delaying the settlement, the seasoned citizens may pass without getting the benefit; but I think there are other ways they could do that, i.e. lobby the residents behind the scenes and mobilize them to demand a settlement. IIRC, the thought for Jimmy and Kim was they could get their fees sooner and use that money to fund their practices; but now each has a pretty clear path to standing those up via Lalo or the Mercer Foundation. I could be wrong but seems a mix of vengeance and the joy of the con.
I think the interesting story / psychobabble is Jimmy and Kim's trajectories are converging. Jimmy grew up in a stable, solid home and rebelled to become a screwup con-man. Since the Chicago incident, he's been fighting his nature and trying to do the right thing and live like he was reared. Kim grew up in an unstable, dysfunctional home and rebelled to become a successful attorney. Since she met Jimmy, she's been fighting her nature and becoming the con-woman like she was reared. Both oddly catalyze the other's true nature, and the phone call / broken arm was the dot where the lines cross: Jimmy wants to make the low-risk, safe play while Kim throws her entire future away by pushing forward with D-Day ... given this is BCS/BB universe, cannot see it working out well for her.