I'm not discounting the work of insiders, but their role is typically to tame the wilds first explored by the outsiders.
Newton, likewise, was in the university when he made his breakthroughs, IIRC.
Let's not forget that while all the pictures of Einstein are of an older professor, he was quite young when he made his biggest contributions, as was Newton. They weren't "establishment professors" or something because they were too young!
It has been argued, btw, that nowadays too much background is necessary for people to make breakthroughs so young.
Academia has turned into a social game that is painful, and where the rewards are terrible (unless you're in CS I suppose). I think post-WW II has solidified the cult-like feeling of place, and also the increased the number of kooks. This contrasts starkly with the PR that is put out: hermits seeking truth.
It's generally hard to put this point across, since most people don't see the ground details, and the whistle-blower costs are rather high. I've previously found posts by Mark Tarver (creator of Shen) on c.l.l and on his blog to be informative, though.
Life, I fear, is no different than lord of the flies, except that the characters are rather a bit more polite.
I guess that CRISPR requires extensive research and planning to target genes, pick out restriction enzymes, make gRNA, etc etc, but that's all freely available through public resources like the NCBI. When it comes to taking advantage of a global supply chain and centuries of incredible innovation, we are really standing on the shoulders of giants. And how long will it be before someone takes advantage of that low barrier of entry? History says: "not long."
Still, like Ian Stewart said in his "Letters to a Young Mathematician", math is an inverted pyramid - when a problem is solved, it leads to more branches to be solved. So maybe breakthroughs are possible from a determined amateur.
One of the better examples is the theory of continental drift, now known as plate tectonics. The suggestion goes back a while, though it was a German meterologist, Alfred Wegner, who made the first serious proposal in 1912. He was rejected by a large part of the geological establishment, and died without seeing his ideas accepted. But the evidence mounted, both of the record that drift had happened (fossils, geological structures, magnetic reversals), and most importantly, a mechanism and sufficient time both made apparent by radioactivity and radioactive decay. By the 1950s the age of the Earth was known to be 4.5 billion years, and by the mid 1960s, Wegener's theory was geological fact.
It's now considered the central concept of geology, by at least one account I've seen, which is quite a feat.
Naomi Oreskes, recently known for her work on the disinformation campaigns against tobacco, lead, asbestos, CFCs, and now CO2 regulations, Merchants of Doubt, wrote several papers and two books on this subject in the late 1990s and early 2000s, specifically about the history of science aspect, and the long rejection (and eventual acceptance) of the theory. Recommeded reading.
I don't disagree with you on academia, though there may be reasons for that as well.
Now that is depressing.