Not true. Scholars can differ on the meaning of certain texts, but all the scholars do their best to follow said texts to the best of their understanding, without retorting to loopholes because those are prohibited.

you: "these are loopholes. these other people say so."

them: "these are not loopholes. these other people say so."

all divine authority is mediated by men.

yes, but different scholars come to different conclusions, resulting in many islams

Not true. Islam inherently encompasses different points of view, as long as they are based on correct and proper evidence. Of course, this is not a blanket statement, since there are core immutable concepts in Islam, the "roots" to to speak. Minor things can have differing views as long as they are based on evidence.