You mean lack of Inertia. Akin to laziness. It works now, why bother to actually fix it?
The reason society has not fixed any of the problem is that there is a layer of obfuscation between the people and criminals. That layer is built into every credit card fee, banking lack of interest rate, and retail price. Society appears willing to pay the cost of criminals continuing to interfere with the general goings on of society. Until that changes through an actual catastrophe nothing will change.