The OP should read up on business strategy, probably starting with Porter's Five Forces.

Hint: Money is a nice thing to have but it is very definitely not a moat.

If a company is making above market returns and the only thing stopping a potential competitor from competing with them (aka the company's so-called "moat") is that "it takes money", that company does NOT have a moat.

It's very easy for a potential competitor to calculate that, after x-months or y-years, they will have made enough profits to pay for the cost of building the competing product. As long as that amount of time is finite, there is excess profit for a competitor to take, and the company will find it's so called "moat" wasn't a moat at all.

This isn't a new thing. It's been a fact for centuries or millenia. It's one of the many things that makes success in business hard.

Porter's Five Forces is one distillation of the foundational principles on which moats can be built (and yes, this is a non-trivial subject, so success in this area generally does take more effort than just reading or skimming the Wikipedia page, but if you had to distill it down to one sentence, it's probably "try to build something that has network effects").