Gov can still be considerably cheaper depending on the structure of the underlaying circuit, how much intrest does the gov charge vis a vis the banks, I'm sure

Gov can still be considerably cheaper depending on the structure of the underlaying circuit, how much intrest does the gov charge vis a vis the banks, I'm sure for profit institution charge a lot more, leading to a higher fraction of income going into repayments, depressing overall demand, thus GDP, thus higher gov debt ratio. etc ...