I was having exact same observation, albeit from a bit diffrent perspective: SaaS. This is where as the code tends to be temporary and very domain specific, the data (files) must strive to be boring standards.

The problem today is that we build specific, short-lived apps that lock data into formats only they can read. If you don't use universal formats, your system is fragile. We can still open JPEGs from 1995 because the files don't depend on the software used to make them. Using obscure or proprietary formats is just technical debt that will eventually kill your project. File or forget.