No organization would accept a donation of this form. If the size of the donation was large enough to be compelling, it would also put the organization at risk. Having a looming loan of millions of dollars at risk if you upset someone isn't viable, especially given that the implication is that this would last indefinitely. A nonprofit that took loans like this over time would very quickly end up with potential debts much, much greater than they could ever hope to repay.
Op mentions sunset provisions in a sibling, but at that point the difference between this and a recurring donation is marginal.
Just donate a smaller amount on a recurring basis. You reduce your risk that the nonprofit will upset you, without making their existence tenuous.
Agreed, if a non-profit takes enough of these that any one loan (or any group of loans) makes up a majority of their assets/income, they've implicitly taken on a new board and are more beholden to the "money board" than to their actual board.
Right, in practice this would result in either the nonprofit giving you a board seat, them refusing your money, or increased overhead either via some kind of insurance policy that they pay into that would cover you recalling the loan, or them just refusing to spend your money until the deferment period expires. But those last two probably result in you recalling your donation because the premiums on that insurance would be ridiculous, so they wouldn't be effectively using your donation.
Op mentions sunset provisions in a sibling, but at that point the difference between this and a recurring donation is marginal.
Just donate a smaller amount on a recurring basis. You reduce your risk that the nonprofit will upset you, without making their existence tenuous.