Create enough independence that loyalty becomes voluntary.

Loyalty that exists because someone cannot afford to leave is not loyalty, it is arithmetic, and both parties usually know it. When staying is genuinely optional, choosing to stay means something, and the relationship rests on something more solid than necessity.

If you rely on someone’s loyalty, ask whether they could leave if they wanted to. Making that possible feels risky and it is what turns their staying into a real answer rather than a default.