That all sounds great, but wasn't the ACA site done by outsourced talent? And, sorry, but trusting someone doing business from his parents' basement with an important innovation project seems to have career-altering potential -- maybe it'll go great and the person who approved the spend is a hero, with a great app for short money. Think the Health Sherpa guys. Or maybe it doesn't go so well and confidential competive information is out in the wild, your outsourcing fee is spent on a new Xbox game, and you as the grownup is on the carpet.
Just saying, it's not such a simple calculation. Employees, internal and of established dev firms, have a level of accountability.
Boy, now I feel like a fogey.