The Money is in the Middle

The government loans money to banks at zero percent interest. Then, banks loan small businesses money at five percent. I think that the government should loan to small businesses at 0% and banks at 5% or maybe both at 5%.
But, no way is it currently done fairly. Banks do not help the economy! They pull exorbitant and hidden fees right out of the economy through the pockets of working Americans and small businesses; small businesses that create and give people jobs. I think there is a cycle here:
Government loans banks money at 0% =>
Bank loans money to consumers and small businesses at rates from 5% to 25% =>
Consumers and small businesses buy things: houses, cars, office equipment, computers, etc. =>
Consumers and small businesses put their extra money in the savings accounts and savings bonds getting about 1% to 5% interest.

Lawboy-