Yes some banks need it As do giants like Google Facebook etc

Chances are very high that the problem domain you are working in does not.

Like the author said “1%” I think maybe 5% to 7%

The point being that masses of software is developer everyday on a cargo cult adoption of solution they do not require.

>The point being that masses of software is developer everyday on a cargo cult adoption of solution they do not require.

This is certainly true, but there is a possible benefit: standardization. Having a standard skillset allows employees greater flexibility since they can jump employers and still expect to be rapidly useful. Similarly, if your company uses a standard toolkit, there's going to be less training overhead for new hires. Now, the devil is in the details, and I'm inclined to agree that you'd be better off hiring someone that can think outside the box and keep the tooling simpler. But using the standard toolkit will work reasonably well across several orders of magnitude in scale.