You are conflating very different issues. So yes, it does come across as a rant. My perspective, as someone who worked for JPMorgan in technology for 8 years,

You are conflating very different issues. So yes, it does come across as a rant. My perspective, as someone who worked for JPMorgan in technology for 8 years, and for several other banks, is that JPMorgan is way above most other banks in the quality of their systems and their dev teams. Likewise the top management. Jamie Dimon is very impressive. You don't get to stay CEO of a bank with 250,000 employees for more than 20 years without being seriously good at it, very consistently.