That's not true. Most people who say that an industry is ripe for disruption have no clue how to disrupt it other than invoking magic fairy dust ("All you have

That's not true. Most people who say that an industry is ripe for disruption have no clue how to disrupt it other than invoking magic fairy dust ("All you have to do is solve X!"). They're not talking about "ripeness"; they're talking about the amount of pain undergone by those interacting with the industry.