Pretty much every "start your own business" class sponsored by governments and schools talks in great detail about how to get a bank loan.

Dropbox would not be possible without raising money. Airbnb would not be possible without raising money first. Uber would not have been possible without raising money.

Some of them can make revenue from the get-go, some can't. But the truth is most of them would not have survived this long without first round of seed money.

You listed 3 multi billion dollar businesses. Those are the exception in the business-owner community.

Not really. They were just another startup at the beginning.