Law is not logical and rarely makes sense. I'm not suggesting at all that they are doing the morally correct thing, but there are a bunch of ways that you can legally admit liability without meaning to.
For example, little life pro-tip, never directly pay for a loan that you aren't liable for. Proxy it through the debtor, or not at all and get a lawyer if the debtor is deceased.
For example, little life pro-tip, never directly pay for a loan that you aren't liable for. Proxy it through the debtor, or not at all and get a lawyer if the debtor is deceased.