The Gemara asks: “If one cannot demand the return of a Yom Tov loan, then what does it mean that Shemitta is ‘Meshamet’ (since he cannot collect in any case – Rashi)”.  Rashi explained earlier that Rav Yosef is only discussing the inability to collect a Yom Tov loan through the power of Beis Din; it would seem that he is still certainly owed the money, and may rightfully collect upon his own authority.  Why can’t Shemitta be referring to the negation of that right?

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