Kida always say that about studying Eng Lit - "Oh, that's not there, you're just reading things into it." But if you can see it, and substantiate what you say, then it's there for you.This movie speaks to us in different ways at different times and says different things too. Part of the reason is the script/ss, but part is just because so little is said, and many of the actions/movements are very small-scale, so they repay detailed examination. It's clear that almost everything in NBBM was carefully considered - it reminds me of one of those incredibly detailed miniature paintings in a Book of Hours.
I remember having that argument, but in reverse, with a Lit teacher, who wouldn't accept anyone having their own view, we were supposed to stick with the "official" interpretation all the time, I was like "how can you say what someone thinks, or feels, is wrong?"

Sorry that's ot, but it still makes me mad, even though it was about twenty years ago

Anyway, back ot, the "spare you a loan..." conversation, did Jack realise before he said it that it wasn't the money Ennis was upset about? Of course, it was a way of keeping contact with him,so if Ennis accepted, mission accomplished, but also if Jack realised why Ennis was really so upset,he might have seen it as an opening to discuss it, and work out what they were going to do.Rather than saying "I know it's not the money you're bothered about", cause Ennis would never have admitted that, he comes up with an immediate solution to the money problem, so Ennis doesn't have that to hide his feelings behind. Of course, Ennis being Ennis, that doesn't work either, and he goes off to be alone. It reminds me of the aftermath of FNIT, Ennis all moody in the morning and Jack being all caring and trying to do something nice "see you for supper", getting it thrown back in his face, but then still making the effort to go and make things right(the "one shot" conversation/the rope scene) :\'(