My Android phone prevents me from recording phone calls at the request of my carrier, even though it's totally legal for me to do so in my jurisdiction.
I'm not loving where this is all going.
The capital itself isn't going to do anything sitting in the bank. It's used to procure a team of PhDs, an team of SWEs, DevOps, business people, HR, marketing, access to a GPU supercomputer (renting a couple of 5090s off Vast.ai ain't gonna cut it). For, say, $50 million, you could get the blueprints to an Android phone and port your choice of Linux userland and get drivers working, and then do a run of 20,000, sell them for $1100. Compared to training GPT5, $50 million is cheap. If we use an estimate of $1 billion for the whole thing, making a Linux phone running a hypervisor with an Android VM to run banking apps seems not-impossible. (Based on AVF.)