The normal force on a roller coaster at the top of a loop is greater than the gravitational force (mg) to ensure riders remain securely in their seats. At the peak of a loop, the track exerts a downward force that must counteract both gravity and provide the necessary centripetal force to keep the coaster on the track. Conversely, at the top of a hill, the normal force is less than mg, and if the coaster's speed is insufficient, it could lead to a loss of contact with the track. The discussion clarifies that the context of the coaster's position—whether at a loop or a hill—significantly affects the normal force experienced. Understanding these dynamics is crucial for roller coaster design and rider safety.