I only have a hunch. In looking at the wiring diagrams for other countries (France), the horn was grounded - and the horn switch switched a positive source. On our bikes, the horn is not grounded. With the three wires - either type or horn/system could be used - just change some wiring on the assembly line - but the loom works for both. So . . . maybe it was a "one loom fits all countries approach"?