While I agree that it's very easy to create too much code, I think one of the bigger sources of debt we face as an industry is poorly fitting our tools to the tasks at hand. Sure, a SQL database is nice if you need to query the data in undefined ways in the future, but there's a vast set use-cases that won't benefit from all the features that come with it and could bankrupt you if you decide it needs to scale.
I wonder how many servers Company A and Company B are running.