[ccachor]

Well, it would probably be built into the insurance carriers' web stack. Dev teams need to keep up with the latest tech so they don't lose talent and can justify ever increasing salaries. So I think that's part of the reason you're seeing things move towards client side.

And you're right that most sites don't see traffic numbers to justify exotic AWS setups. I personally think most web businesses grow pretty linearly, so the focus on "overnight" scaling problems is more of a sales tactic than it is reality.

I do think you're underestimating the amount of companies that do need these tools, though. It's not as binary as "insurance broker" and "Facebook". Logistics companies, payment processors, restaurant groups, grocery stores, etc. all have pretty complex backend services and some of these tools are critical to even compete in their industries.