The firms are responding to the same events and pressures in similar ways. It doesn't require coordination or conspiracy to explain that. You're right that the

The firms are responding to the same events and pressures in similar ways. It doesn't require coordination or conspiracy to explain that. You're right that there's likely opportunity for some disruptive differentiation. That often comes from the outside rather than established companies, and also we tend to hear about the few successful disrupters and not the many, many more failures.