I was surprised to not find a single instance of "fear" or "accountability" in all the comments. The major driving force in "Big Enterprise" is putting a price tag on "are you prepared for something to go wrong." Either with bad actors, stupid mistakes, or lack of resources. The overhead and settings required to increase or decrease how much exposure the customer is willing to take is what drives the indu$try. That being said, I don't disagree with a lot of the comments. There is definitely the case of over engineering, but that is a bi-product of a business having to decide between making money or turning away a customer. Great companies have kept it simple while steered their users toward simplicity (which drives down cost and errors for all parties).