I had a bunch of such 'obvious' ideas when I was an eager young computer whiz back in the late 80s/90s, including internet service via cable instead of dialup, online warehouse sales etc. I didn't get rich because I was young, had no capital, and no social network. I worked at banks and also for a somewhat innovative company that prefigured social networking (think GUIs for online forums during the dialup era). although I tried to get people interested in my ideas/cultivate mentor relationships/gain business skills, most efforts were shrugged off with a response like 'go to business school and come back in 5 years.'
I was smart enough to hire for technical work, from development to training and documentation, but lacked the social skills to negotiate or build so I spent a lot of my 20s doing Very Clever Things for which other people reaped all the economic and strategic rewards. So you can be very competent and have a lot of imagination, but if you're not in the right place at the right time or work in an environment with a lot of gatekeepers, you may not be able to capitalize successfully. You can also find that you're so good in a particular role that people who pay you for it have an incentive to not help you with career development.
I was smart enough to hire for technical work, from development to training and documentation, but lacked the social skills to negotiate or build so I spent a lot of my 20s doing Very Clever Things for which other people reaped all the economic and strategic rewards. So you can be very competent and have a lot of imagination, but if you're not in the right place at the right time or work in an environment with a lot of gatekeepers, you may not be able to capitalize successfully. You can also find that you're so good in a particular role that people who pay you for it have an incentive to not help you with career development.