Yes.... you wind up with business people who know a ton about business but nothing about software engineering.
No version control, no approval process, no source code repository, no unit or regression testing, no logging, no test vs production environment, no central place where all code/macros are saved, no documentation.
No version control, no approval process, no source code repository, no unit or regression testing, no logging, no test vs production environment, no central place where all code/macros are saved, no documentation.