Borrowing by Australian governments on their own balance sheets to fund a more assertive investment program of land transport upgrades and other infrastructure projects is an imperative - at least for the commercial interests of Westpac and its customers.Brian Hartzer, managing director of Westpac, took a discursive turn during yesterday's investor briefing on the bank's full year results to contemplate impediments to a lift in consumer and business confidence.The outlook, for Westpac, Hartzer said, "depends on consumer and business confidence and business willingness to invest."Hartzer declared this a "Catch 22 - business has the will to invest but are waiting to see if consumers will spend."He said "one catalyst for change was for state and federal governments to increase investment in transport and infrastructure further."In our experience, where there's investment in infrastructure confidence follows. It makes sense for government to borrow for long term infrastructure and transport projects that boost the overall capacity of the economy."