A moat is around something that exists, meant to protect it. You're describing something else, not a moat with your example. OP used moat correctly, creative effort around existing earned skill, brand, etc.

To answer your question. Yes to a player already in a market with lack of funding, a billion dolars could be the necessary moat to win.

Money was, is and likely will be a moat for a while. But as a proxy, it may not be enough as a moat. Scarce resources may require more than money— e.g. IP classes or, if you're China, ASML machines.