Agreed. It seems that these institutions are unwilling or unable to pay for talent and that they don't have the capacity--in terms of processes and culture--to

Agreed. It seems that these institutions are unwilling or unable to pay for talent and that they don't have the capacity--in terms of processes and culture--to leverage that talent even if they were able to acquire it. Here's a relevant comment thread from a post a few weeks ago about Wells Fargo going offline: https://news.ycombinator.com/item?id=19110672 https://news.ycombinator.com/item?id=19110672