I think it was Awaclus that mentioned somewhere that opening Loan can in fact give you a decent chance at spiking $5 on the second reshuffle, or at least a more-decent-than-most-people-think chance, because of how it increases your money-to-Estate ratio. Not sure his (her?) exact wording, or what the exact probabilities are (obviously, they depend on your other opener), but this mindset has made Loan slightly more attractive to me since.