I had the same realization but with car mechanics. If you drive a beater you want to spend the least possible on maintenance. On the other hand, if the car mechanic cares about cars and their craftsmanship they want to get everything to tip-top shape at high cost. Some other mechanics are trying to scam you and get the most amount of money for the least amount of work. And most people looking for car mechanics want to pay the least amount possible, and don't quite understand if a repair should be expensive or not. This creates a downward pressure on price at the expense of quality and penalizes the mechanics that care about quality.
Luckily for mechanics, the shortage of actual blue collar Hands-On labor is so small, that good mechanics actually can charge more.
The issue is that you have to be able to distinguish a good mechanic from a bad mechanic cuz they all get to charge a lot because of the shortage. Same thing for plumbing, electrical, HVAC, etc etc etc
Here in Atlanta Georgia, we have a ToyoTechs business. They perform maintenance on only Toyota-family automobiles. They have 2 locations, one for large trucks, one for cars, hybrids, and SUV-looking cars. Both are always filled up with customers. Some of whom drive hundreds of miles out of state to bring their vehicles exclusively there, whether the beater is a customized off-roader or a simple econobox with sentimental value.
Why? Because they are on a different incentive structure: non-comissioned payments for employees. They buy OEM parts, give a good warranty, charge fair prices, and they are always busy.
If this computer fad goes away, I'm going to open my own Toyota-only auto shop, trying to emulate them. They have 30 years of lead time on my hypothetical business, but the point stands: when people discover that high quality in this market, they stick to it closely.
With the introduction of insurance for covering the cost of a security breach, suddenly managers have an understanding of the value of at least the security aspect of software quality. As it impacts their premiums.
I really hope so. But I do not have much faith in insurance companies. I have seen what they have done to worker safety, made it a minefield for workers, a box ticking exercise for bosses, and done very little for worker safety.
What works for worker safety is regulation. I am afraid the same will be true for software.