"This is what happens when apps are developed by engineers who don’t have a strong knowledge of customers"
I'd replace "engineers" with "product owners". I'm sure the engineers at Microsoft know some of the stuff they're doing is braindead and are unable to do anything about it.
It's likely that the subject of overwriting accounts has been discussed with business more than once, but the business are so stupid that they do not see it as a problem, or think that if anything goes wrong (as it inevitably will) they will loose their pension. So nothing changes. All software companies have an expiry date and Microsoft is a couple of decades past its own.
I'd replace "engineers" with "product owners". I'm sure the engineers at Microsoft know some of the stuff they're doing is braindead and are unable to do anything about it.