Loan talent is like an item what is temporary (Aegis of the Immortal from Dota 2) or what can dropped after death (Divine Rappier or Gem of true Sight).
As long as you don’t die, they are fine. But we all know that average Hots player dies a lot no matter what.
With Loan talents, you get snowballed even harder because you lose your talent’s value too, not only exp, buildings and map control.
If devs want more snowball, give us support items to control it.