What if Netflix "beat" Blockbuster and Uber "beat" taxis no more than, and through the same means as, Adjustable Rate Mortgages "beat" traditional lending in the early '00s?
Both sets of "disruptors" gave people more of what they wanted in new ways, so could be said to be Innovators. But the real power behind them wasn't the services they offered, but their investors willingness to play chicken with unsustainable, loss-generating business models.
So many new-era businesses are no less of a fraud than ARMs. If you want to get an idea of the scale of this, pick a Disruptor and Google, "Is X profitable?" If you're feeling really brave, do it for some of your critical business partners. This especially true for us in marketing and technology.