If I give you $80,000 and loan you $20,000, the semantically important part of my action is as a "gift", not a "loan". Why do you want us to ignore the $80,000

If I give you $80,000 and loan you $20,000, the semantically important part of my action is as a "gift", not a "loan". Why do you want us to ignore the $80,000 and only pay attention to the $20,000?