The idea on paper sounds like a clever way to piggy back for a relatively low risk level on a lot of startups...and as much as contrarian thinking is pontificated, you have to wonder if there is a reason things are done the way they are in the first place.
I am not saying you can't disrupt an industry, but you have to first understand why the industry does it the way they do in the first place. It's not like a bunch of dumb people got together and said lets do this thing as backwards as possible. I have never met an idea for disruption that didn't at some point come to realize that there are often forces beyond control at play and it is very rare to be able to actually disrupt an industry just because intellectually it seems backwards.
I think it's time to dial back the disruption rhetoric and focus on the value creation as defined by people willing to pay more than it costs to make, sign, seal, and delivered.