These are very valid points but it may be a big mistake to compare crypto business models to legacy business models. Legacy systems are streamlined and centralized. They have razor thin profit margins and high overhead costs. They have a clear-cut hierarchy of leadership. Crypto has none of these things.
Crypto is built on flat-architecture, and thus the concept of an "everything-app" makes more sense. Development spreads outwardly on the ground floor and pyramids are hard to build on top of shifting sands. It is 100% necessary to have focus and make sure we build things right, but the differences between these two "business" models have so much contrast that it's hard to justify even calling crypto a "business".