Funders that have access to any sort of government guarantee －
banks with FDIC-insured deposits, large entities with commercial
paper now backed by the Federal Reserve, and others who are using
imaginative methods (or lobbying skills) to come under the
government's umbrella － have money costs that are minimal.
//“have money costs that are minimal”这句的意思是?
Funder是否指的是出资者，也就是贷方?
获得政府担保的贷款人取得资金的成本较低?
贷款人不是扮演提供资金的脚色吗? 本段无法理解。
Conversely, highly-rated companies, such as Berkshire, are
experiencing borrowing costs that, in relation to Treasury
rates, are at record levels.
//相反的，评价优良的公司，如波克夏，其借款成本相对于政府公债
的利率却达到了新高纪录。
Moreover, funds are abundant for the government-guaranteed
borrower but often scarce for others, no matter how creditworthy
they may be.
//对于有政府担保的借款人资金是充足的，对于其他人则否，
不管他们的信用如何。
请问上述三段的理解有无错误? 因为第一段在讲贷方，而二、三段
却是在讲借方，文义感觉兜不起来，故发文询问，谢谢大家。