I understand what you are saying, but, how do you know your shares are not loaned regardless ? Do you have a way of knowing ? My point being, when i referenced my cash account to 4 people in my brokerage, none came up with the same answer....First guy said if they are in your account, they can be loaned....then another person different answer...and so on and so forth. My preference would be to know for sure and have my certs.
Dudette
Anything I say is only my opinion.
Always do your own DD before investing.