And like suchmoon mentioned, sending physical goods over-seas adds a significant amount of risk. The package could get lost or damaged, and deciding who's responsible for replacement could get sticky. Additional insurance on the package could compensate for that scenario, but then adds to the cost. Not to mention the additional time and effort required, for which the lender may ask to be compensated. All in all, your effort to save a few bucks could end up costing you more.
You don't have to understand, just listen. Take it from someone who learned that lesson the hard way.