Lots of SaaS services, like Google sheets, go the quick and dirty route: one central database and the UI displays a view which you all work on together. That's

Lots of SaaS services, like Google sheets, go the quick and dirty route: one central database and the UI displays a view which you all work on together. That's not collaboration imho - and no dev shop would accept that as a reasonable way to work (lets work on the code in a google doc!).