I came across this very interesting take on how the amortised cost of a clunky but functioning financial system may constitute an impediment for blockchain innovation coming from within our financial system. 

It reads a bit like a warning to incumbent businesses in general, many of which are also running on fully-amortised legacy systems, to accept more risk in trialling new technologies. Some trials are likely to fail. But these companies have the most to lose should a technological tipping-point be found elsewhere.