[dalbasal]

That's a thoughtful perspective.

It's also useful for expecting similar in future industries. Ultimately, I think it doesn't even matter if the reason is regulatory complexity, industry rigidity, or technical debt.

The question is how do we dig out of such holes.

If we were starting from scratch, it's almost certain we'd have better software, better firms, norms, standards and such within a short period of time.

How do we do that when not starting from scratch?