Ask HN: Services ripe for disruption?

I wonder, which services do you think are ripe for disruption, why and why didn't that happen yet?

My example:

eBay

Why:

- Legacy code showing through everywhere

- all-around toxic environment (various ways to get screwed over, either as a seller or a customer)

- ..probably lots of other reasons

Why didn't it happen yet:

Good question, there are lot of similar marketplaces around - seems like there has to happen something else to make eBay struggle.