Probably for the same reasons that waterfall development doesn't work out. This approach requires up-front specification of the data before the application domain is well understood. Any application desiring a migration to a different schema would need to work with the others to do it. Finally, developers bristle at the idea that they have to wait for another team to get their job done. In the absence of a strong company policy, it will inevitably drift toward shipping an application rather than keeping everything together.

Perhaps refactoring, had it been better understood around 1970, could have gone a long way toward harmonizing diverse schemas, allowing experimentation with eventual refactoring into the common database.

Our current environment makes this impossible. There's no way that Salesforce is going to ship a version that works with your company's database schema. You're going to have to supply that replication yourself. Same for Quickbooks. To get that kind of customization you need to be spending hundreds of thousands for enterprise software.