You are right!

I had forgotten when I was a kid I would take a string that is the same length as a 24 exp or 36 exp roll into a dark room with scissors and tape and just stretch out the length needed cut it off and roll it into the cartridge.

Finding a couple of bulk loaders on ebay for $5 each kind of changed all that though.

You can still take the bulk loader in the dark room to pull out and cut off your just finished loaded cartridge and start your new one in the dark to avoid fog on the trailing end.