at the $millions level, although technically you could, you generally don't "send money" like you or i or even a typical rich person would do as individuals pay

at the $millions level, although technically you could, you generally don't "send money" like you or i or even a typical rich person would do as individuals paying a regular bill. you talk to a person at the bank who calls up another person at another bank, and they wire the money from bank to bank or some kind of intermediary, like an underwriter or escrow co. think of it like financing a new car purchase, on a grand scale. how many people were involved in a $30k car transaction? you, your SO, maybe your kids, the sales guy, the sales manager, the finance manager, the underwriter at the bank, the underwriter's manager at the bank, etc. sure you wrote the dealership a check for the down payment, but did you "send" anyone $30k? no, you were the centerpiece in a large, coordinated effort to get $30k sent from a bank to the car dealership, so you could drive off in a new car without much hassle or cash. scale up from there. so, yes, there are all sorts of checks in place. on a $millions deal, possibly a dozen people or more will be involved either directly or tangentially. bankers, accountants, lawyers, sales people, etc. deals in the $millions range get complicated, and everyone wants extensive, exacting paperwork to ensure both that they get paid and they don't get accused of fraud. rich people do not buy expensive things in cash. they tend to hold on to as much cash as possible, because cash is the only kind of money with direct control. avoiding 'debt' is a middle class phenomenon, i assure you. the poor and the rich are drawn to it like flies to shit because it helps them achieve their short term goals fabulously effectively, however different they may be, and however expensive (one can afford it, the other can't. guess who.) yes, some genius solo entrepreneur could just do all of this himself but in reality it rarely happens that way. more money means more people.