Why is this happening? The methods of project execution by most IT vendors haven't changed in 30 years: talks, interviews, coding, expensive tools (C++, Java). We've known for 20 years that writing a program in C++/Java is twice as much work compared to an identical result achieved with scripting languages (Prechelt, 2003; 2000). The continuing popularity of C++/Java has its origin: most of the large systems in the fin/tech industry were created in the 1990s, and they are not being upgraded and only added functionality despite the fact that it is no secret how to migrate to newer technologies and architectures (Laigner, Kalinowski, Diniz, Barros, Cassino, Lemos, Arruda, Lifschitz & Zhou, 2020). The reasons are quite mundane: as long as there is demand, technology suppliers have no interest in upgrading their products and are selling a permanent technological debt (Rosoff, 2011).