Much of Intuit's success with Quicken can be explained by the fact that the software makes electronic bill-paying feel similar, visually and procedurally, to writing checks. There is no central control of anything. Fish swim in schools without any single fish being in charge. Monarch butterflies don't need a Monday morning staff meeting to decide when to migrate south. Birds flock without voting on their destination.
Nets operate more like nature than man-made assembly lines.
No one is as smart as everyone. Nets enable greater participation among larger and larger groups of people. That's why millions of people are getting into the habit of visiting the World Wide Web every day. The Web changes like a newspaper, but the changes are co-constructed by the users. No one is in charge and almost anyone can find something of value.