Of course, if you'd done that directly, you would capture all the savings and you wouldn't have to pay anything to anyone. It's comparing apples and oranges in a lot of ways to talk about it in those terms.
The other question would be, who makes the decisions on where these social finance projects go? In other words, who decides which are worthy projects or priority projects? What you're saying is these are essentially left in private hands rather than in government hands to decide which community or which part of the community will benefit from these kinds of investments.