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Makes sense.
I think the Loop is really the Checkout timer in someone else cart
for example
You cart a size 10 and so does X
whom ever carted 1st, the sys gives them the time to checkout.
Once they finish, the next size 10 cart timer starts till they checkout n pay
I think the loop is the sys waiting for your turn of payment to be accepted thur the site...
My Guess
Especially if mobile is a different checkout queue entirely.
Hence why its easier to check out mobile after you cart because the mobile checkout queue isn't being slammed with requests.