Wow, never had a problem! Are you a one man shop? How big is you largest database? How much data? What tool do you use to develop applications? How many applications and what is the biggest? Why do you use access instead of just storing the data in a OS file with your own structure?

Today's RDBMS's have a lot of capabilities that you do not have to use but I prefer to have a safety net. I like to have constraint enforcement in the application to give the user prompt feedback when they enter something incorrectly and in the db so that when a developer forgets to enforce a data rule the mistake is caught before bad data is stored in the database. Even if we had perfect programmers, our users are very creative and they can find navigation paths that get around application constraints but they have never been able to bypass database constraints. As a matter of fact we have some data errors that we cannot reproduce and we had to add a unique constraint to prevent the problem. Also, the data rules are easy to find if they are located in one place, the database, and application developers can reference this information to make sure they are implementing all the data rules.

I have never had a severe wreck but I don't intend to disable the airbags in my car since there are idiots out there that I have no control over.