Why do loin cloths not cover the loin?

Question

this question was brought up at dinner a few days ago, why is it called a loin cloth, yet has nothing to do with the oin?

Answer 1

Tarzan's does!

Answer 2

if you were a rack of beef, your loin would be your back.  but loincloth refers to the biblical sense of loin.

Answer 3

Do you not know what part of your body is the loins?