I look at it as less that there is an immaturity to IT, but that IT isn't normally the focus of the business. As a DBA or sys admin we can work for essentially any industry and it isn't the IT types that don't follow rules, in general. The IT types are told these are rules for the industry, get the servers and SW to comply with those rules.
I can do an installation of PeopleSoft Accounting or Great Plains and maintain it. But the accountants and clerks embezzling the money or cooking the books is not the IT guy. My last company, we had an accountant that was embezzling using wire transfers via an external company's software. He would pulling the paper that was signed that it had been done. So then it never hit the accounting software. They asked IT if we could prevent it happening again. There was no way without a big expense to get electronic reporting from the external company. Management said no. It was not our choice.
That is what happened with Enron and several other scandals. It's not necessarily the IT, it's the management.
A little bit of this and a little byte of that can cause bloatware.