I see where you're coming from. Sometimes getting Loan is a judgment call, but in general, in addition to the circumstances that Mic stated, Loan is a better investment in engines where even thinning out a few Coppers greatly aids consistency. In a BM game, especially when a powerful enabler such as Embassy is involved, the starting Coppers aren't bad at all when you're hunting for few valuable Treasures (such as Platinum or Gold) and using a bunch of not-so-valuable Treasures (such as Silver and Copper) to tide your hands over to $8/$9/$11.