What did you think? In this article that you link, Bloomberg makes a recommendation through his twitter to listen to this Econ talk episode. I'm really glad I did.
too long; didn't listen? First off, listen to it. Just straight up stimulating stuff (although I'm not a huge fan of the Econ talk podcast host, but that's personal). And secondly, the answer is ultimately what our intuitions tell us: difficult to generalize innovations that are started bottom up. But it's more interesting than that.