>The reason is that everyone is too conservative. Everyone isn't too conservative: veterans in a field are conservative because they have earned the war wounds they carry. Which is why you tend to see "disruptive apps" targeting younger people. They don't have the life experience to understand, at first glance, why an idea may be extremely dangerous. I'm young enough to remember being that way myself: Who cares if so…
That founder naïveté, however, is also what often leads to founders winning. Building Stripe really seems like a schlep if you’ve built a payments company before - so much so that you might not want to do it. It’s hard, and annoying, and has all sorts of regulatory hurdles.
But if you don’t know any of that, you build it anyway, because schleps are really just long collections of much smaller problems, and naive founders can solve much smaller problems at a rapid succession, whereas “conservative industry experts” simply wouldn’t even start because it’s too hard.