Imagine armed men break into your home. They are trying to kill your family and take everything you own.

Your family fights them.

You provide 90-96% of the weapons, ammunition, food, equipment, and everything else used in the fight. Your family does the fighting. Your family gets wounded. Your family dies.

A neighbor provides the remaining $4-10 out of every $100 worth of supplies. And while all of this is happening, you are also sending your neighbor raw materials and other goods that he uses for his own production.

You defeat the attackers and save your home.

Then your neighbor calculates the value of what he sent you that survived the fight and could still be used afterward. He sends you a bill. You spend decades arguing over how much you actually owe him. During the negotiations, he demands higher interest, at one point pushing for terms equivalent to 5.5% annually. Eventually, you reach a settlement and pay him.

And 80 years later, his grandchildren are all over the internet saying:

“We saved you. Without us, you could never have won. Actually, we won!”

This is exactly what Americans do with Lend-Lease. Dear Americans, don't do this. It's secondhand embarrassment.