Did anyone notice that the industries described are dominated by players who hate their customers? Banks and insurance companies treat their customers as adversaries, and the only reason they can do it is because they all do it Before we talk about solving the technological problems in these industries, we should be talking about solving these industries. The disruptors will solve the technology problems. I sure hope no one at Bank of America or AIG never attempt to shift their legacy systems to more elegant solutions. I want it to be one of the many albatross hanging around their neck.