They switch to Access until they hit the data size limit of 2GB. Then they come back to IT who has to deal with the mess that you get when you allow domain experts to build databases.
When faced with a decision b/w using a RAD tool to create something outside of IT, or spending $500,000 and waiting 6 months so real devs can deliver something Finance needed yesterday, that may not be needed tomorrow, the choice is an easy one.
Your generalization isn't entirely unfair; IT is often called on to fix a mess, but some Access solutions are built by people who understand database design/normalization and can put together a easily-maintainable application that never hits storage limits or requires upgrading to a SQL Server-managed back-end.
Corporate IT never lays eyes on many Access projects that aren't crap.
It seems to me that many programmers don't appreciate that industry practices or regulatory requirements impose quirky requirements on domain specialists that everyone knows are far from optimal but which need to be complied with anyway if the business is to turn a profit or retain its licensure.
Someone mentioned a health insurance example above: there's 50 states, with 50 different sets of insurance regulations, and then some additional territories, federal regulations, and then wird business practices of healthcare providers who are subject to their own 57 varieties of regulation, and there are powerful economic and political interests that get in the way of burning it all down and replacing it with a single system designed by a committee of one patient, one doctor, one nurse, one pharmacist, one lawyer, and one economist.
And even that highly simplistic requirements committee went through 3 versions while I was writing it up.
The domain experts already have lots of complex knowledge and experience they need to automate. They don't want to learn about databases. Unfortunately, the reverse is equally true.
I think only those that turn into consulting understand it properly, because they aren't confined into a cubicle coding all day long without direct feedback how the real world actually looks like.
At most there is some feedback coming from ticket management system or the product manager.