How to borrow at risk free rate When learning about derivatives, we learnt about risk-free hedges and portfolios. However, one of the concepts was about borrowing and lending at the risk free rate. Now, for lending it's as simple as buying government bonds. However, how does one borrow at the risk free rate? I doubt it's about selling your own bonds. I'm just trying to work out how to apply these economic theories in real life, so any help will be greatly appreciated.
A private person will almost never have an access to borrowing at risk free rate. However, governments such as Germany or Switzerland can borrow at essentially for all practical purposes at risk free rate by issuing government bonds.

As a private person you might get access to risk free loan if you are rich enough to be able to negotiate the rate with bank and if your project is extremely safe (think of Jeff Bezos asking for small loan to build a private parking lot).