After having come to understand that לויה was a sense of connection with a person without future guarantees; ergo in risking the loss of everything one has the right to reap infinite profits, it was particularly then difficult to understand how הלואה is seemingly related and yet non-parallel i.e. demanding of a guarantee vis-a-vis the principle advance but that with understanding that no profits can be reaped.
It's the opposite side of the coin and yet they share the same letters??...
And then I realized that הלואה lacks a י representative of Brit (Commitment in Relationship) [י' דאיהו ברית] ... and now it all works out.
Those with Brit: לויה, לוי, לויתן
vs
those without: הלואה, לוה.
Later I noticed possibly the same occurence between בית and בתה meaning "destruction" as in Yesh' 5:6 -- וַאֲשִׁיתֵהוּ בָתָה, לֹא יִזָּמֵר וְלֹא יֵעָדֵר
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