See: US banking (in the EU I can transfer cash, instantly, for free to a friend's bank account and have been able to do so for a decade), Fossil fuel vs Climate change, most commercial standard bodies. It's everywhere.
This one actually seems like a fault of the US government dragging its feet on making advancements on a nationwide protocol for transferring money and staying stuck on ACH. So much so that, that the biggest banks had to get together and create their own system 10 years ago:
https://en.wikipedia.org/wiki/Zelle_(payment_service)
> Launched in April 2011, clearXchange was originally owned by Bank of America, JPMorgan Chase, and Wells Fargo.
Supposedly, the US government is finally rolling out a proper system in 2023:
https://www.federalreserve.gov/paymentsystems/fednow_about.h...
> Apple used their power to make strangle the entire idea of the web on mobile by putting a break on change.
1. apple/jobs wanted web tech initially for apps
2. native app devs were beating down the doors for access to native, not web apis
The world works with power: Apple used their power to make strangle the entire idea of the web on mobile by putting a break on change. Why? Mobile web tech helps their competitors more than it helps them.
If Apple's own platform / APIs had had the same rate of change as they effectively forced on the mobile web, then they would be a decade behind Android.
This is exactly the same thing as Microsoft did in the 90s with productivity software. They had secret undocumented APIs which made Office a fantastic experience and non-office "meh".