[FZ1]

The think I don't like about scrum is that they teach that you literally don't need to know a single thing about the underlying business - in fact, that is discouraged - following the process to the letter is what counts.

It is sold as a one-size-fits-everything process model, which can be run by non-programmers with zero experience who took a few workshops and got a scrum "certification".

It applies to any business - now including finance, accounting, and more ...

So I'd say by definition, a scrum company can achieve level -1 or 0 at best. It fits the Level 0 description PERFECTLY.

An actual formalized process which could be optimized would have to be set by subject matter experts after some deliberation. And would be designed to make an impact on product and quality.

Scrum can never achieve this - because the fundamental idea is that you can manage any business with the same established process - it will fix all of them ... no matter what the problem is ...