I actually think it's ok to silo projects to a single dev if you design your architecture correctly so that their zone has well defined APIs. I've definitely seen this work better than design/dev by committee.
> IDK, to me it sounds like you have worked in a half dozen B2C startups in a US urban region, all with plenty of money to burn and still seeking "product-market fit".
It's true! (except for the seeking product market fit part, they have had it). I definitely enjoy this type of development better, I also think it leads to the best results and the highest quality software if done right (alongside open source).
> Most development work doesn't go that way. If we don't have A, B, and C ready by the end of the year contracts get breached and people get laid off.
I'm 100% sure you're correct, but I don't think this is developer friendly or a good thing. Part of making great software is having the proper business infrastructure around it. That includes sales, which definitely shouldn't have contract deadlines for unshipped features imho.