> If you do the wrong thing long enough and don't go out of business, then the wrong thing becomes "our way".

You just described most of retail banking and insurance (and I assume, utilities).

It took the 2008-prompted investment-retail bank mergers and ACA admin costs caps to nudge these industries into the 21st century.

The financial side of health care providers is still a nightmare (even though the actual medical side is amazing at continuous improvement).