I suspect these companies view upgrading core functionality tech as a cost center to be avoided at all costs and for as long as humanly possible. "If it ain't broke, don't fix it", I hear them bark from their bean-counting management perch. So too were the companies that were content with their horse drawn delivery trucks to move their goods around town.

We now have a better, faster, cheaper (by orders of magnitude) way to move not goods but value through a network.

Obviously neither of us know how long it'll take for the legacy systems to completely die off, but they will. So I'll simplify the bet to: when, not if. Still game?