It’s either that or no ukraine at all.

If this was all that Ukraine needed to win the war, Biden would have delivered it two years ago. But the Ukraine front is collapsing due to lack of manpower and the destruction of their older and more durable fortifications. Fifteen surface-to-air missile systems will - at best - curb the advantage of Russian air power (which has already been heavily degraded by the war). It won’t do anything to deter the older armor, howitzers, and increasingly advanced drone technology Russians are deploying.

Also if the ukraine would fall then all other loans would never be paid

I mean, NATO states have never had a hard time pissing away a trillion dollars here or there to no discernible benefit. Just ask the Iraqis or the Afghanis. The point of NATO support for Ukraine is to bleed Russian military capacity out until it is irrelevant, not to get an ROI on Ukranian IOUs.

The future of Ukraine’s debt will be paid back through mass privatization of the Ukraine western territory. And it’ll be paid to private US/EU industry, not to the state governments that financed the war.