Hey, I love your rants, I've been reading them for years.
The immense focus on loyalty in some fantasy books has always puzzled me. Maybe cultural differences are at work here, as most of the authors I've read are British and American, but I think it's mostly just lazy writing. Especially when loyalty or a lack thereof is apparently enough reason to classify someone as 'good' or 'evil'. Why would you want to reduce the countless motivations a human being can have for their behaviour to that?