In twenty years of "ERP Whispering" I've never known a "formal" "schema" (going to put "schema" in quotes here too, what that actually represents is a strictly validating structure, or system of any kind) that described a business object as utilized (process, reference, part number database) with anything greater than, say, forty percent commonality. At the high end. The remainder is waived, "ad-hocced", or is simply fibbed ("oh sure, all our parts have registered NSNs[1]").
The systems are, at their best, an executive class (VPs, Senior Mgmt) contracting a shaman/priestly class (me) to lay a sheet of order on throbbing chaos.
I probably should mention that it's possible - likely, even - that I have not worked for a non-dysfunctional business, and of course the ERP software ecosystem introduces its own peculiarities on top of that.
I realize I am badly abusing the word "schema" here. A lot of the time, we design schemas based on high level business requirements, and that's what I'm thinking about. There should be a LOT more between schema and business - a whole universe of business architecture, design, and software - but there never seems to be the money to do so.
In the wider context, though, the phenomenological world, I would posit, does not have business logic inherent in the fact of its own existence. This could get to be a very spatious, "dude-wheres-my-bong" sort of discussion, but I think the difference in Weltanschauung we're seeing here might be due to divergent experience.
[1] NATO Stock Numbers