&gt; Also, if programming in Excel is so awesome, why am I not developing banking software using it?<p>Well, if you took away Excel, the banking system would collapse. It might be old and clunky, but it can do anything you need it to. It might not be &quot;real programming&quot;, but near enough anyone is able to get a spreadsheet up and running much faster than a POC app that&#x27;s been built in a proper programming language.