> Like in what world is payroll not as important as your DBMS - if you can't pay people you don't have a business!

Most employees, contractors, and vendors are surprisingly forgiving of one-time screw-ups. Hell, even the employees who are most likely to care the most about a safe, reliable paycheck - those who work for the US federal government - weren't paid during the recent shutdown, and not for the first time, and still there wasn't some massive wave of resignations across the civil service. If your payroll processor screws up that badly, you fire them and switch processors.

If your DBMS isn't working, your SaaS isn't working. Your SLA starts getting fucked and your largest customers are using that SLA as reason to stop payments. Your revenue is fucked.

Don't get me wrong, having working payroll is pretty important. But it's not actually critical the way the DBMS is, and if it was, then yeah you'd see more companies run it in-house.