Can the amount lost due to a transfer error be considered as the value of the usurious interest earned, or must the usurious interest added to the money be disbursed independently? And can the amount owed to me that could not be recovered be considered as part of the usurious interest that must be disposed of?

It is not permissible to deposit money in usurious banks, even if the depositor does not benefit from the interest, because doing so aids the bank in its prohibited transactions. Unlawful interest must be disposed of by spending it on charitable causes and public welfare. It is not sufficient to count lost money from that interest, because there is no connection between the two, and it involves a kind of protecting money with usurious interest, which is an unlawful benefit.