"I don't interfere with any investment decisions made by the company." Charlotte Miller simply bounced the problem back to Atlas Hallow, ensuring he wouldn't trouble her over such matters.
If he decides to lend money to Luna Miller, that's his own choice, and it won't have anything to do with her later if Luna can't pay it back. If he doesn't want to lend, Luna can't blame her either. After all, fifty million isn't a small amount, although it might be trivial to Atlas Hallow. But she just doesn't want to get involved in any trouble.
Protecting herself isn't excessive, especially since she can't even safeguard herself right now—how could she possibly have the ability to help Luna?
If Luna genuinely needed her help, she would give her all. But the problem is Luna doesn't even understand what the entire investment is about. Lending her money would only harm her; imagine how terrifying it would be for a girl in her twenties to be burdened with fifty million in debt.
