Why are internal systems so outdated?

I can't tell you how astounded I am that so many programmers and coders ignore the potential for updated internal systems for small business/brokerage firms. Nearly every internal management system for insurance and real estate companies looks like it was written in the 1980's and performs accordingly.

With so much going on in the world of software, if one skilled company started putting out internal management systems for insurance/real estate firms they could make A KILLING. I know we would buy it in a heart beat. An IMS with the look and feel of modern day widgets and social software would boost moral, productivity, and user interoperability within the office space. There are tens of thousands of brokerage houses across the nation (only talking domestically) which can all use the same system because they all source the same major carriers. Not to mention, the basic forms (Accords apps, title forms, mortgage forms, etc...) are all universal and set by the regulators so a skeleton would simply need to be built that incorporated these forms electronically into a cool, streamlined, user friendly platform that would be customizable by the client.

Not to mention, with the low cost of development today as compared to years ago, there is not doubt in my mind such an application could be sold at a discount to the current competition. Additionally, it could be written to work with windows 7, live mesh, Max OS 10, and other platforms that allow you to work across multiple computers/mobile devices.

Having to come to the office every day just to access your database is RIDICULOUS. There is a great deal of value in developing for commercial users, someone needs to identify this opportunity in more detail, step away from the general consumer software development space, and pursue this idea. Especially since consumer software development (i.e. The App Store) is such a saturate market.