Not that it makes it any better, but the billions they have are mostly imaginary. It’s not cash or even concrete numbers on a bank account. It’s just a speculative valuation of what they own and most of the value comes from stocks on a company. Stocks that only have value as long as they are desirable for someone else and there is no surplus of them on the market. They could never cash out that value and even trying to cash out a significant portion would crash the stock price and their wealth. But as long as they possess this assumed wealth, they are granted almost unlimited credit to cover any purchase.

You ask an LLM to code something and then just run the code blind without reading it and if it seems to work, publish the application. You can imagine how many performance and security problems it produces.