Technology is irrelevant. It doesn't happen because there are so many requirements and regulations that even if you had the world's smartest hackers writing in

Technology is irrelevant. It doesn't happen because there are so many requirements and regulations that even if you had the world's smartest hackers writing in the purest Clojure/Ruby/etc, your software would still have to contain all this horribly complicated business logic and would take years to develop.