Clearly the latter, but unfortunately the economic incentives favor centralization and that in turn pretty much nixes the chances of significant resources being allocated to create those solutions. In fact, there are significant incentives to keep such solutions out of the marketplace entirely.

It's quite funny in a way: regular mail worked for two hundred or so years without too much in terms of trouble, ok, we had some spam but that was about it. And now mail delivery has become so complicated that the mere act of accepting mail can lead to your corporate secrets being made public or lifted without your knowledge.