I am not sure Wall Street needs disrupting, other posters have noted that because it is so competitive disruptions constantly occur. But one thing could change

I am not sure Wall Street needs disrupting, other posters have noted that because it is so competitive disruptions constantly occur. But one thing could change Wall Street a lot -- if for some reason the core function of capital raising, either through issuance of debt or equity, was less necessary, then Wall Street's role as a middle man would be reduced. What could cause companies to need less capital to carry on growing their businesses? Or what could cause capital to be more readily available?