Simple power counting tells you that a scalar field coupled to some fermions at one-loop picks up a correction to the mass of the order $\Lambda^2$.
Based on this people say things like "it's natural to expect that the mass of the scalar is roughly the cut-off scale", which in this case is some GUT/Planck scale.
My question is this: is this really the right interpretation? If I'm doing perturbation theory and it's telling me that I have a correction as big as the largest scale in my problem (cut-off scale), it means I cannot trust the answer. It does not meant the answer is $m_\phi^2 \propto \Lambda^2$. The renormalized mass could still be far below $\Lambda$, but the current approach cannot see that. The correct and finite answer might emerge only after adding up all diagrams. There's no reason to try to fine-tune anything such that already at one-loop the mass is small. One must simply concede that the one-loop answer is not correct.
What is the correct interpretation?