Loans can be cheaper than freebies; lower wages.
I'm not sure the point about Tuanzebe when we're strapped for cash. He provides flexible cover; we already have players like Elmo and Hutton as first choice for full backs, and we have plenty of options in midfield.
But we have Suleiman (probably not ready for a centre back role, he needs to strengthen up a bit, but OK as flexible cover), Lyden, Mitch Clark, and so on. These aren't ready to play every week but they can fill in.
In midfield we have competition between Barny, Jedi and Whelan for DM, plus loads of options for other positions. Bruce has to start having the courage to give youth a more significant role; we've nothing to lose.