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Precisely Ross. Commercial lenders who have years of experience in such matters will not touch them with a barge pole as they are a bad risk whereas your locally elected amateurs will have a punt with your money as it 'seems a nice idea' and the business plan was peppered with words like 'community' and 'sustainability' and 'local' and if/when it all goes tits up nobody takes responsibility and it was always someone else's decision a few years ago and they are no longer councillors anyway.
Perhaps councils should stick to providing the services we actually need at a reasonable price? Once they show their expertise in providing the boring stuff like toilets, and clean safe streets, and a bit of parking, and emptying the bins then and only then should they branch out into the difficult stuff and having projects.
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