You can sell your home though various portals without having to ever speak to a realtor. Walmart has innovated in a few different places but primarily logistics. Disney is not just an animation hub, they work on robotics, software, as well as psychology and other areas. I think it's easier to see when your company isn't already a behemoth. Amazon arguably has done innovation better than most, but a lot of that has been through investor money other people wouldn't have access to. Established companies have to balance the books and as they've shifted towards profitability and revenue innovation has necessarily slowed.

I think you're already seeing many of your problems getting closer to solutions. There is that natural tension though between capitalism and it's tendency towards monopoly and the government's responsibility to ensure that the market stays healthy and competitive.