Barriers for e-learning

It seems to me that two main barriers for better implementation of e-learning are:

• Fragmented and unequal IT experience and information skills of learners and teachers & the lack of systematic approach to addressing this across all the levels - national, particular educational establishment etc.
• Most of e-learning solutions, especially those based on e-learning objects, require comparatively large initial funding or investment, e.g. time. Hence, employers and state funding bodies must learn from Google's "20% rule" - allowing time for development and innovation.