In DDD, the model is loaded before any business logic is executed
That's really not a DDD requirement. Having a domain model does not require you to preload data to run business logic. For example, you can easily have business logic that only takes as input a value object and triggers a usecase, and you do not need to preload anything to instantiate a value.
OP makes a valid point, and a strong one to boot.
Other than name calling, do you have anything to add?