One thing I didnt say was that technology producers like SAP and Oracle are disincentivized from transforming their products into glorified frontends to a share

One thing I didnt say was that technology producers like SAP and Oracle are disincentivized from transforming their products into glorified frontends to a shared public database. Such a change would drastically reduce the lock in they benefit from. Firms could be swapping accounting software like one can switch between Chrome and Firefox when surfing the web. I see the revolution coming from newer entrants or a smaller big producer like Acumatica who can throw it on as a feature for existing clients, and as a value add to new clients (we are just a front end, leave us at any time if you dont like us!) The world seems to not want to envision product categories where the user experience and database are two different providers.