That's not a real problem worth worrying about. Look outside the tech industry bubble. There is a huge amount of innovation happening in sectors beyond of finance and software, but they don't get much attention on HN. Of the IPOs this year, what percentage are just middlemen?
The incentives to innovate in ways that actually benefit people are weak in our system, because the disincentives to innovate in ways that just make you a bit wealthier are small to non-existent.