This industry also spends most of it's money either changing things that don't need to change (we optimized the right click menu to remove this item, mostly to fuck your muscle memory) or to avoid changing things (rather than implementing 2fa, banks have implemented 58372658 distinct algorithms for detecting things that might be fraud).

If you're just talking about enabling small scale innovation you're probably right, but if you're talking about the industry as a whole I think you need to look at what people in industry are actually spending their time on.

it's not code.