Yea the world is still run by pre-internet people and institutions.   The first generation to &#x27;grow up&#x27; with the internet in first-world countries is still largely waiting to take over.   Farther down the tail, it&#x27;ll be another decade before may in the &#x27;third&#x27; world get their first smartphone.  Defacto global&#x2F;internet citizenship is still a full generation to generation and a half away, and who knows how long it&#x27;ll take to actually reshape and reform the big institutions after that.