>> ... for something in exchange ... to me it's a purchase not a loan.

You can make that argument, Archie, only as long as the "money" you give is equal in value to the value of the object you receive "in exchange" -- and then ONLY IF both you and the person giving you the object AGREE that it is a purchase.

There are many obvious examples of giving money for something "in exchange" which would not constitute a purchase (any rental agreement).

On the other hand, I can't even think of another situation in which the patron gives money equal in value to the object being received with the understanding that it is anything other than a purchase or that the object will later be returned in exchange for return of the payment.

----- jim o\-S