Probably a combo of many things making it hard to run businesses predicated on getting people to sign on the line that is dotted no matter what. Also stuff lik

Probably a combo of many things making it hard to run businesses predicated on getting people to sign on the line that is dotted no matter what. Also stuff like credit stores not being as much of a thing meaning that there's not really a whole gamut of offerings. If everyone is offering roughly the same rates there's not much of a business for shopping around