May a borrower say “thank you” or “may you merit mitzvot” after receiving a loan?

A source-based Torah discussion of the question: May a borrower say “thank you” or “may you merit mitzvot” after receiving a loan? This localized discovery layer presents the canonical issue for search and study without adding a new practical ruling. The author-fidelity publication clearance is preserved, while the full Hebrew source remains the controlling text for its reasoning, qualifications and conclusion.