End user's lament

From what I have read financing and incentives for the use of renewable energies is catering to; big industry first, small business second, and the end user last. Would anyone care to prove me wrong? Maybe I have missed the point but it would seem to me if the powers that be want to incourage the use of renewable energies there would have to be a market for RE hence the end user. What good could it do to incourage the use of RE if the end user's are stifeld by a lack of accessable financing incentives? I for one would like to see financial institutions advertise mortgage options for people that are interested in homes that incorperate renewable energies and energy efficency.