The worst code I've ever written is because of shifting or unforeseen requirements. It doesn't matter how good the architect is if the foundation is built on sand.
Except this is the system working as designed. Leadership 1000% wants to do things as fast and as cheap as possible.
Being delivered faster or cheaper isn’t the goal. The goal is to look good while doing it. Telling your bosses ‘Yes sir!’ Is apparently a lot more palatable than saying ‘No can do’.
If I asked you 6 months ago if you might ever consider something other than credit card payments, urged you to seriously consider this and you say no, you shouldn’t come to me now and say that bank transfers (bank transfers!) are absolutely indispensible.