A unique viewpoint for you
Because isn't the standard refrain is that government employees and project cost far more and are far less productive than when something is done via private business?
But in this unique case (a pet project of yours is seems) it'll be different.
If you really mean in this case it will be cheaper, really, because it'll be different, just you'll inflict more cost to the banks as a side effect. Well, then the standard response from you in that case it they will raise costs somewhere else to make up for it.
Of course, in THIS case, it won't happen, or it is OK since it benefits everyone, in some untestable way. How convenient.
How do you manage to hold these contradictory viewpoints simultaneously without them bleeding over each other? Oh, yeah, you get to choose which ones will "work".
Magical thinking. The pony will be next.