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That's not what happens. npcap is added to the networking stack on Windows as a filter driver to allow it capture packets as they are sent and received.
npcap can add an pseudo adaptor "for loopback traffic capture" but that's not visible to normal application use of the network.
npcap (and it's predecessor WinPcap) have been known to cause issues with certain VPN applications, are you using any of those?