Pretty tough to clear out dead wood when the institutions of relevance are more or less locked into their positions through heavy-handed regulation. The most gl

Pretty tough to clear out dead wood when the institutions of relevance are more or less locked into their positions through heavy-handed regulation. The most glaring examples of this are the credit reporting agencies, who are defined by name in the US legal code with their special positions, rules, and privileges as involuntary private data collectors. Shouldn't come as a surprise that Equifax recovered so quickly.