This. Saving time(or money if you see them as the same) is the whole point actually.
Intelligence is supposed to be in the context of a shared Goal or beliefs. In your case and case of most humans time and money is the context.
Are ant(insect) networks intelligent? Possibly, They do help millions of them communicate quickly. But ants don't have a brain.
Are beings that make decisions without conscious choices intelligent? Possibly, if they could escape death by amazing ability at any instant. But these beings don't have a frontal cortex that can make decisions by rational inquiry.