I noticed this too, and I do not think this is related to the Loyal trait.
I think this is another case of the game treating a missing test set reference as having passed the test. This is identical to the "Sabotage interaction falsely available" bug report. A lot of romantic actions had a new autonomy test added looking for two new test set references that I assume will be in Adventure Awaits.
I was able to hide this issue from my game with an XML tuning mod that created the two missing test sets. I just made them both check to see if both sims were noncommittal. Doesn't really matter what the test is, as long as it can fail and it makes sense for the action.
The problematic code:
<L n="test_autonomous">
. . .
<L>
<V t="test_set_reference">
<T n="test_set_reference">482810</T>
</V>
<V t="gender_preference">
<U n="gender_preference">
<T n="ignore_reciprocal">False</T>
<L n="subject">
<E>Actor</E>
</L>
<L n="target_sim">
<E>Listeners</E>
</L>
</U>
</V>
<V t="test_set_reference">
<T n="test_set_reference">154175<!--testSet_UnflirtyTraitRomanticSocialsAutonomous--></T>
</V>
<V t="test_set_reference">
<T n="test_set_reference">490981</T>
</V>
</L>
. . .
</L>
(The other bug report: https://forums.ea.com/idea/the-sims-4-bug-reports-en/sabotage-interaction-falsely-available/12597201)