That’s just the nature of these industries.

1) Incumbent is slow, clunky, unpleasant to deal with due to years of accumulated constraints to deal with

2) Newcomer can differentiate themselves by being nimble and pleasant to work with, taking market share

3) Over time newcomer has to deal with increasing amount of scrutiny, fraud, overhead, CYA type practices, etc

4) Newcomer is now incumbent, goto 1)