You mentioned loans. Remember when nobody in the private sector was loaning money? People couldn't borrow, they couldn't refinance, credit was essentially frozen, and this was after the banks had been bailed out (helped) by taxpayer dollars. The government still made loans possible. Jack Gilchrist didnít get his loan from a private bank, he went to the government. Was it because the rates were so much better for an entrepreneur like him? Or was it because a bank wouldn't give him one?