Because it answers a different type of question: What you would do if you wouldn't have to work for a living, for the next six months.
While interesting, most of us can't relate to this situation.
Having half a year worth of "fun money" to spend bootstrapping a business idea, or investng in one, is skipping the first step.
It's like one of these "draw the rest of the fucking owl" jokes:
I get $88K by working fulltime for $X months. Getting $44K _for free_ and then also having an entire fulltime of availability to work on a project is quite a gamechanger.
How can you spend $44K on a project and live off of it at the same time, in the latter case where someone handed you the money?
And if you are saving $44K per year, why can't you work for two years and then take one year off, having both $44K to live on and $44K to spend on a project?
And finally, didn't this start with a $44K loan, not a gift?
How does it matter? Not meaning to challenge you in any way, just sincerely want to understand your thinking.