Yes, intermediaries add value but in many cases they get paid disproportionately, define rules and regulations that range from one sided at best and truly evil

Yes, intermediaries add value but in many cases they get paid disproportionately, define rules and regulations that range from one sided at best and truly evil at worst. And this has been going on for a long time and people are understandably irritated and looking for alternatives. If the system wasn't so unfair, we probably wouldn't need to look for alternatives. Fixing the current systems is impossible at this point as the intermediaries have grown too big and too strong, so people are looking for alternatives.