The pump can only ever produce a small difference across the wall, around 200 mOsm. The hairpin is what turns a small difference into a large one along the length.
The ascending limb moves sodium into the interstitium, making it slightly more concentrated than the fluid beside it. That concentrated interstitium then draws water out of the descending limb running alongside, which concentrates the fluid entering the bend.
More concentrated fluid arriving at the ascending limb means the pump starts from a higher baseline, and the process repeats. Each horizontal step is small, and they stack down the length of the loop to reach around 1200 mOsm at the tip.
A straight tubule gives you one horizontal step and no stacking. The geometry is the multiplication.