Finding anything more than vague ideas requires connections and the other person not knowing the value of being able to describe their problem (otherwise, why wouldn't they just learn programming and build something themselves?).
However, that's not something that is solved purely by capital. It also takes a lot of time (in practice, you need potential customers to describe their problem multiple times over multiple meetings, since what they think they want, what you think they want, and what really solves the problem take time to converge). For our company (applying ML/NLP in the customer feedback domain), finding domain experts willing to contribute their guidance took a while, but has been one of the most important things we've done.
Customers absolutely need iterations to think things through. In fact, that's my default approach now because trying to get everything right for the first meeting is extremely unlikely. Capital does buy you time and iterations.