But isn't that exactly why it's called loan words? In Swedish we've borrowed words like radio and nylon and we initially pronounced them as in English. But eventually we started to pronounce them as the spelling would dictate in Swedish (the English pronunciations would've been spelled rejdio and najlon). For toilet it's the opposite. We borrowed toilette from French, but eventually altered the spelling to match the pronunciation: toalett.

I'll grant you that once we have adapted and incorporated the words, we are no longer borrowing them. Maybe we should stop calling them loanwords at that point. But while they're still new and don't yet fit in, I would say that borrowing sounds about right.

On another note, I can't understand why a people wouldn't want to make every word work in their language. You completely lose the flow of speech when you have to pronounce something that doesn't fit naturally into it, and you either come off as a pretentious douche or a stupid person.