Yes, exactly this. Not "can provide the aid", but "first to the punch". You really hit the nail on the head.
The morality of massive wealth accumulation -- and the morality of various mechanisms for changing that accumulation -- is definitely something that reasonable people can have a polite and respectable debate about.
But it is absolutely unacceptable that wealthy individuals are beating government to the punch in disaster relief and preparedness. COVID-19 is the dry run, and the USA has absolutely failed on such a profound level that we should have actual existential concerns about how broken our government has become (and there's plenty of blame to go around).
I really hope the outcome is "competent government, regardless of size, and sabotaging implementation is treasonous" as a bipartisan consensus.