...money is not all that's important in life
... I also don't think it should be the compass for any diving certification agency.
But without it, no agency will survive.
The consumer drives the market and today the market is vacation divers. Many years ago, the market were people who watched Sea Hunt, Jacques Cousteau and wanted to experience the same thing. There was no pressure to certify divers fast and easy.
The current OW/AOW certification are not supposed to make you a great diver. They are designed to keep you alive while diving in a group, lead by a DM, 50 feet deep on a warm water reef in the <vacation spot>. Expecting more is simply not facing reality.
One the plus side, there is still a market for additional training (cave, wreck, tech, photo/video and science divers). This training is sought out after the realization that their original training was insufficient for these activities and a desire to dive more competently.