At best one could argue, that they identify existing phenomenons that were repackaged into a scalable, investable product. And how is that an issue? That is be

At best one could argue, that they identify existing phenomenons that were repackaged into a scalable, investable product. And how is that an issue? That is being different. Just on a different level than the one you focus on. AirBnB challenges the hotel establishment. Yes, it is illegal in some places, and opens up a lot of issues for its users, but change does not come from settling with the status quo. You have to be challenging in order to achieve something.