Outside of maybe NYC, taxi service in the U.S. was totally unreliable before Uber/Lyft. It's not even a matter of price. It's so much easier to get a ride now in most of the country.

I don't think AirB&B really improved hotels, but it did organize and centralize the "vacation rental" market, making it easier to, for example, rent a beach cottage for the weekend.

Existing Taxi services did not improve - they were replaced by a lower quality, more expensive alternative with a lesser economic infusion to local economies.

Hotels and the hospitality industry did not improve at all.

None of those points refute me or support the argument I was contesting - that a “uber or airbnb of banking” would cause banks to “get their act in order”.