Yeah it is a huge problem: Without a way to source a billion dollars Intel can't build a new factory.
Now you could replace banks with e.g bonds sold in the public market, but you still need something to finance the IT of the world.
Now you could replace banks with e.g bonds sold in the public market, but you still need something to finance the IT of the world.
Their revenue is many times that, certainly, but that doesn't mean they just have billions of dollars lying about doing nothing, waiting for the company to need a factory.
Also I am going to have to ask for a source for your hypothetical reply.