Generally, all examples you mentioned don’t have competition or compete in different things than UX, so there you go. One example, banks, especially old big ba

Generally, all examples you mentioned don’t have competition or compete in different things than UX, so there you go. One example, banks, especially old big banks. They compete first and foremost on public perception of them being secure. As we know, security and usability are almost always diametrically opposed, so it’s a concept of a bank that makes banking hard to use. Some companies are trying to change it, but it’s hard.