I couldn't agree more: It's either no clear way to monetize or very hard to no access, such as the healthcare market. In healthcare everybody agrees that it is "ripe" for disruption and that to do well you need to do good. But there's just no access to it, with all the bureaucracy. This implies that investment need is high and iteration periods are long. (Note: I'm from Germany. But while the US system is much more open than over here, it also super tough in the US to launch a "meaningful" (read: not a fitness/recreational) healthcare business.)