"A
subsidy is a form of financial aid or support extended to an economic sector (or institution, business, or individual) generally with the aim of promoting economic and social policy."
"A
loan is the lending of money from one individual, organization or entity to another individual, organization or entity."
And here is the important question, how to get subsidy, how many of us can apply for subsidy and where?
Individuals, organizations make big profit on loans, and interest on loans depends from credibility some individual or organization have. That is zillion dollars profit each year for big banks and rich people. They don't wish to give their money for free.