The vendor lock-in is a feature to them. They're not a tech company. They're banks. They're insurances. Lock-in means they can send a lot of cash to someone and the problem gets fixed, which is the only thing they care about. And in good news, cash is also a thing they have a lot of. The cost of their tech infrastructure is a blip on the radar compared to payroll, to the cost of their physical spaces.

I assume from this comment that you've never worked in the enterprise.

Because (a) major decisions like choosing a mainframe are not made by tech managers and (b) every company is built around vendor lock-in.

Who do you think companies like Atlassian, Oracle, Salesforce etc sell to ?