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Proposed Canon

Loyalty is one of applications of Natural Thinkamancy. All units are subject to Natural Thinkamancies: Obedience, Loyalty, Duty, and others.^Erf-b1-p084a

Loyalty is an unknowable unit stat, affecting how likely a unit is to defect or double-deal when possible. Thinkamancy spells can modify Loyalty. It is possible that Ownership is the same stat when applied to Stuff. Since Croakamancy is not applicable to units because they have life, a Croakamancer such as Lady Wanda may be the owner of all that she has uncroaked.