All the problems you address are absolutely there. But I have to say I have become pretty allergic whenever I hear anybody talk about "disrupting" an existing

All the problems you address are absolutely there. But I have to say I have become pretty allergic whenever I hear anybody talk about "disrupting" an existing industry, for two reasons: (1) Existing industries are usually that way for a reason; often outsiders don't understand this until they have tried (and failed) to change things. (2) In those cases where industries were "successfully disrupted", I have the impression the result often just ended up exploiting people in different ways (looking at you, Uber and AirBnB.)