I don't know what to say here. You don't understand the issues and you refuse to believe that such issues exist. We should agree to disagree. But I'll give it one last stab.

You can't just drop an Instagram-like app into the British Postal Office and then everything's great. Instagram works as a standalone app that doesn't need to comply with any exogenous processes or standards. It can set the standard process for itself, and then all of its users need to adapt to it. There is no way to design an app outside of the British Postal Office that will fulfill their needs and then drop it inside of the British Postal Office and expect to work. Even if you forced the organization to reorganize itself in order to adapt to the app (which happens a lot), the problems will be inevitable.

Even Office 365 or Google Apps, stars in the SaaS space, require internal administration and customization when being used inside organizations and they can be misused. Something as simple as this person should be part of this security group but not part of that security group. Such misconfigurations are inevitable because organizations are messy.

People smarter than you and I have been trying to solve the problem of good IT governance for decades and have so far failed. And the problem has nothing to do with the quality of the software engineers who make the product, nor their technical decisions. It is orthogonal to the real issues. The fact that dumb users can use encryption today without realizing it has zero implications on solving the issues that organizations actually face. It has zero implications on how they use their technology. The only thing it's done is made the technology more trustworthy for transactions of information, but it did nothing to change work habits, decisions, or perceptions about technology. We know because there are studies on how people interact with technology.

These are not technological problems. They are human problems. Things as simple as "I am petty and don't like that employee" or "I'm gonna make sure that my friend gets to have sole responsibility for that app's strategic focus, even though he knows nothing about how to do that department's work, but he's my friend" or "I need this political win and that's more important than hiring the right technology experts or implementing the right feature the right way." They're simple problems to express but intractable to solve. They're intractable because they're emotional and irrational, spawned by people who need therapy. And most often, the people with these problems aren't stupid or dumb. They're actually often smart, which is why they're also often in the position to make the wrong decisions for the wrong reasons. And then it trickles down throughout the organizational culture.

Technology cannot solve this simply because technology can always be discarded or misconfigured, despite the technology's design. Nobody can force an organization to use a technology, especially when it doesn't have the necessary experts to implement it properly. The biggest problem was that nobody at the British Post Office cared for quality control of the system. Bugs continue to be found in cryptography. They're rare, but they are found. Then they are patched. A lot of organizations don't care and then they have security holes simply because nobody cares about patching. Such lack of care extends beyond just cryptography. Automated updated certificates like LetsEncrypt does not solve this problem because the problem runs deeper than keeping a certificate up to date or running automated security patching. Certainly, nobody can force an organization to use LetsEncrypt. Nobody can force an organization to keep the right people in the right security groups. Nobody can force an organization to disable network accounts for employees fired for embezzlement. Nobody can force an organization to care about documenting, reporting, and fixing bugs.

Being right on a technology level has no bearing on whether one can ensure that an organization makes the right decisions overall. Most of the most important decisions aren't even directly related to technology. Even if the easy solution is as simple as use a SaaS that is as simple as Instagram. The dysfunctional ones will say, "Screw that, I want my bonus or I want my job security or whatever, I'll make sure we never use that Instagram-like app, or anything like it." Or worse, they'll try to use it with the best of intentions and then still screw it up massively when they deploy it for employees.

If you can't accept that possibility, we have to agree to disagree.