All the kilts that I have had close contact with have not had loops, so why do I wear a belt? Well ok, we are talking no waistcoat(no belt is usually worn with those anyway) here, so sometimes I may have lost a few pounds so the kilt may not fit as it might, I may be off to do some activity that requires a fair bit of movement, so a belt just ensures a bit of stability around the waist. Sometimes I wear a belt just because and sometimes I don't wear a belt because it does not please me to.