Isn't the point to provide liquidity (availability of capital) to the market, ie producers of value, not to traders. Who needs $1M for their business but can't

Isn't the point to provide liquidity (availability of capital) to the market, ie producers of value, not to traders. Who needs $1M for their business but can't wait a microsecond to get it? Once you have the funds you probably have to wait 3 days for the bank to grant access.