Premise: The main way you disrupt an industry is by radically increasing financial efficiency.

You increase profit margins by finding innovative ways to decrease spending on e.g. workforce, letting you shift a larger percentage of your revenue to funders, i.e. the owner class. Those profits are used to further innovate in ways that increase profits, decreasing the working population's share of profits and increasingly centralizing wealth.

How does that not happen?

More seriously: the world is changing all the time businesses and business models face challenges all the time. This produces churn where the current crop of winners have little political clout, but start to gain it as they settle in.

Of course if they succeed in gaining political clout, they might be able to dig in and prevent change for a long time until something big and rare comes along and undermines the whole system.