It is a deliberate strategy. It is partly to reduce key person risk, and partly to reduce complexity. It is also because the business is run by lawyers, accoun

It is a deliberate strategy. It is partly to reduce key person risk, and partly to reduce complexity. It is also because the business is run by lawyers, accountants, underwriters, and actuaries, and they have almost zero knowledge of software. And, yes, actuaries. I mean you. You write terrible code. Terrible, terrible code.