Take it for what it is.
I see loops as an example of how defined sounds can be ordered in a repeated sequence.
That can inspire you in ways you may not have thought of (like a rhythm or a sequence), so you can use the loop as a starting point. A “temp” track for inspiration/ kick start, that you may keep or loose, once you have written something on top of it. You may just use the sequence or rhythm to create your own, and then lose the loop after that. Its not that different than hiring a musician you know, that then plays the same old four on the floor, everybody else does. You might also chop up that recording, layer it, or rearrange it so it fits the music.
Another way is to grab the loop and splice it into seperate sounds, that can be playable. In Studio One 4, you can just drag and drop a loop into the pad, and you have each sound componant in the loop mapped out. So you dont need to rely on the example of the repeated sequence, and can easily reorder the loop and make it your own.
There is also sound design in loops, which can be very helpful to nail a vibe or the sound of a certain genre. In that case it is really not the repeated sequence that is useable, but the choice of sounds and production. You may use a small snippet of a loop, the whole loop, or chop it up, but it is the sound signature itself that is the point of using it. Also here you can try using the loop as a “temp”, and lose it once you have copped the vibe you were looking for. That way loops are tools for learning.
Due to the nature of loops, there is also a risk that they will ruin your music, if you work without purpose, and just rely on loops as a foundation for tracks and songs, imo. That way you risk sounding generic, cliche, pastiche, robotic, flat and utterly rubbish. Some loops have been overused to the point where a&r, directors, editors and music supers can hear the exact sample package where it is coming from. If that happens, you can be identified as a hack and will get a shoemark on your pants, that is hard to remove. The definition of a bad trip, for sure!
So like others also have stated, loops are not just fastfood for composers, but can be sound-designed sources of inspiration. If you mindfully use loops with a purpose, it often is the opposite of a timesaver, but it can trigger your creativity, imo.