The difference is that when banks lend that effectively creates money. That's credit creation. But when the government wants to borrow it's a different matter. It's a zero-risk borrower. The banks are happy to lend.
Consumer sentiment remains down.
There is actually a reasonably strong link between money creation and consumers. How much money you have to spend and how much you actually spend. Both are influenced by how your company is doing. Money supply won't help that. It would obviously have some impact but it won't be as big a negative as people fear.