I think any sufficiently complex system is hostile to reform just through its natural inertia, which in a huge system is a complex and fascinating topic itself.

But when you have truly enormous amounts of money and power at stake and a system that has settled into a certain posture that has concentrated those resources into certain hands...of course it would be very hostile to any change.

As the article states it takes shocks to bring about significant changes and hopefully we can move things forward some as a result of the current situation.