not sure there are any true statements in the 1st paragraph you cited
bin Laden does not need hi-tech communications or Internet banking to
keep al Qaeda going
they can do quite a bit by courier and other 'old-fashioned' methods
just like the North Vietnamese did

the idea of a centrally controlled web of terror reaching out around
the globe was delusional to begin with

so no one can take credit for breaking it up

fwiw, I think the biggest hit al Q took was on 9/11 when they lost 19 of
their best guys

A