how much historical anecdote do we need to recollect before it's realized that the finance industry as a whole, but most especially the stuff that is US-centric, refuses to change course unless they're: 1) unprofitable 2) regulated.

the only reason they moved on this was because it was noted somewhere by someone that matters that the risk imposed could cut into profit or impose a regulatory hammer.

those are the only possible reasons for corporate movement in finance.