Thanks for replies.
I know that, but is it really right? I never came down to the "draw your deck" state and what is nice in Loan is that it clears the Coppers from next hand and cycles you. And Until the Gold buy when Wharfes are out in the end you are buying FV instead of Silvers so it don't hurt your economy.
Well, there really isn't an opportunity for it I think.
With 4/3 I think I'm opening Navigator/Fishing Village with a decent shot of getting to $5 during my reshuffle. Maybe FV/FV, but the FV split is less critical as I mentioned.
Once I'm hitting $3's after my reshuffle, Loan becomes less of an asset and I'll be focused on Fishing Villages to keep my wharves fueled.
If you get 6 Wharves, you only need 3 FV's in theory: Play 3 FV's, play 3 Wharves, next turn get 3 Actions, play 3 Wharves, reshuffle the lot and get the 3 FV's with your other 3 Wharves in hand, etc... It won't work like this in practice, but it's just important to see the Wharf as the major split to win.
By the time you would have had any benefit from an opening Loan, your opponent is likely to have gained at least as much Wharves as you have and maybe won the split.
Note that Silver is not horrible here as it could allow you to get some Wharf/FV buys or even Wharf/Wharf.