I understood the question as, what makes you think: the current system could be streamlined so easily that I can hardly believe someone hasn't already disrupted

I understood the question as, what makes you think: the current system could be streamlined so easily that I can hardly believe someone hasn't already disrupted the complacent firms extracting rent. Such a question usually gets answers mostly comprised of work that is extremely boring at first glance. For example, create a system than halves the work to complete documentation for some sort of compliance with regulations. Every one of these ideas just sounds incredibly interesting to work on. The type that gets a lot of really bright people together on a team (that I'd really want to be on too), yet they might not deliver a product, and possibly even less likely figure out how to monetize it. Anyway, I'm not developing a friction-reducing product either, but worry about choosing something because it sounds like a rewarding, intellectual challenge.