Working at a start-up now and seeing how many partnerships are solely due to connections of the CEO or a random board member is crushing. The tech side is an entirely and relatively easily solvable problem in comparison to the rest.
Has always been, there are a few cases where this wasn't true but odds are any industry you want to "enter" needs someone with connections to open the doors for you.
Tech is a problem that needs solving but it isn't the biggest problem to be solved, having a network and knowing people is more than half the job.
Those connections didn't materialize out of thin air, you know. Your CEO/random board member had to meet people, understand what they do, keep those connections alive, etc.
Why can't you do the same? Start now and in five years you'll be a lot more connected than you are at this moment. This is also an entirely solvable problem.
Banking is both deeply entrenched and well regulated. I suppose people could make a venmo/PayPal/cash app payment system but dealing with cards would be more difficult
Set a reminder for 10 years from now. Let's see how many incredible new tech products have been built. My guess is that ~any judge will decide that it turned out there were a lot of things still to be built