I simply do not still understand why he doesnt tell the club he wants out. This is common. Is the club supposed to read his mind? He has not treated the club well here. (This applies only if he really wants to leave, which we dont know for 100%)
Had he done this last summer he would have been sold smoothly, instead of this situation becoming mess.
And no, loyalty bonuses are not lost due to that. Only official transfer request means loyalty bonus loss.
I remember when Kolarov left, he immediately told Pep for example.