UPD: please read carefully – what they’re proposing goes beyond just loading screen or time. If it’s instancing – it’s essentially the suspension of simulation on all lots except the active one covered under loading time. Everything outside gets frozen, and the system redirects focus to the current lot. If it’s instancing, then it’s nothing like Sims 3, where the facade simply drops and all simulations across the city remain active. This is exactly Sims 4. There was even information that Sims 4 intended to remove loading screens within districts.
In the current version of Sims 4 it’s actually worse – that same lot from B&H is open and visible to the second family/household, and yet, the business won’t function. Why? Because instancing doesn’t just freeze – it disables simulation logic even on lots that are technically loaded but not “owned” by the active household. So you’ll see the building, but the systems behind it – customers, staff – will be “dead.”