Why would a lender be able to call in an entire loan based on the borrower's default of one payment?

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An acceleration clause is a provision in a loan agreement that allows the lender to demand the entire outstanding balance of the loan to be paid immediately if the borrower defaults on even one payment. This clause is often included in loan agreements to protect the lender from default or nonpayment of the loan. It enables the lender to take legal action against the borrower and demand the full amount of the loan along with interest and penalties.

Why Would a Lender Be Able to Call in an Entire