Fixing broken systems isn't innovation, it's just repairwork. Innovation is improving things that aren't broken so you can't rest on your laurels leaving something alone if it seems to be working fine.
Having a bunch of people with ! over their heads handing out chores alongside reams of horribly written text that no-one reads works as far as it goes, but that's not to say there isn't a lot of room for improvement there. Banks being empty spaces where you can store your junk works, but that's not to say they couldn't evolve into something far more useful.
Realities of time and budget constraints mean that not every game can innovate everywhere but the systems that have been refined to the point where innovation would be difficult are far, far rarer than you imagine.
Having a bunch of people with ! over their heads handing out chores alongside reams of horribly written text that no-one reads works as far as it goes, but that's not to say there isn't a lot of room for improvement there. Banks being empty spaces where you can store your junk works, but that's not to say they couldn't evolve into something far more useful.
Realities of time and budget constraints mean that not every game can innovate everywhere but the systems that have been refined to the point where innovation would be difficult are far, far rarer than you imagine.