Hum. While (or because?) I love the sentiment of "still no running water", too much of available resources has gone and is going into putting existing things in software and a rather small number of classes of products around this. Inevitably, this also means a gradual narrowing of infrastructure, which, again, asks for more of the same solution. Still, we like to refer to this method of evolutionary copying of existing things at ever increasing scale as disruptive. This is also, where the money is. I'm not to the least surprised of the lack of fundamental innovation.