ADP isn't going to take that paper to cut paychecks. AWS isn't going to want that paper either. The best you can do is take that paper and get a loan with a stupid high interest rate and that's not going to happen quickly.
https://www.federalreserve.gov/aboutthefed/boardmeetings/202...
ADP could always take it at 90%, figure out the expected return and everybody wins
AWS could take it plus some equity for credits? I imagine the incremental cost of providing the compute is worth the risk
No one forces the economy to operate on dollars - and both traditionally and currently a whole lot of it doesn't.