The folks working on these boxes are Not Dumb. No-one's saying they're dumb. They're saying they're Doing It Wrong. And the things you're talking about - banks

The folks working on these boxes are Not Dumb. No-one's saying they're dumb. They're saying they're Doing It Wrong. And the things you're talking about - banks and stock - are edge cases of the enterprise world. I would actually argue that most stock markets are actually very well implemented. Banks usually have competent IT too, since IT is a core competency of theirs. These are edge cases though; most corporate IT is orders of magnitude less sexy than real time trading systems.