Nope, the fee that we're currently happy to sell him for is about right under the current circumstances and the buy-back fee is what he may become worth if he develops further during the loan, and beyond, and if football finances recover.
He's not worth what he was 12 months ago because the disruption of covid means that clubs are struggling for money.
If we kept him for development, but he doesn't fit into our system of play, then we'd have him in the squad, taking a squad place but rarely playing, getting paid a lot of bunce and not developing.
That's neither good for him or for us, but if he goes out on loan / plays regularly, develops into a great player, gets bought by loan club, develops further to become worth say £60M in 3 years time, we can pick him up for a bargain price in a resurgent market and they've paid his wages for 3 years.
The people running our club are extremely astute and they make their decisions with much better information than is available to the forum pundits and from a position of great experience at the highest levels in football.
Not aimed at you BTW but having seen this club develop and achieve fantastic success over the last decade, only an idiot could suppose that they don't know what they're doing.