We should not confuse procurement risks with usage risks. In general, the risk with Excel, as indicated in all these articles, does not come from the vendor but

We should not confuse procurement risks with usage risks. In general, the risk with Excel, as indicated in all these articles, does not come from the vendor but from the user. Your systemic risk is always bounded below by the highest risk you are facing, which is user incompetence. Even with power users you still get errors. The main negative differentiator for Excel is that these errors are sometimes hard to identify.