The Hidden Blast Radius
When the company itself is the non-expert expert.
By Bill Dunning · Part 3 of a five-part series
A few weeks ago I sat down with a small company to talk about working together. Somewhere in the conversation the man across from me told me, with some pride, that he had built one of their core business applications himself. Built it with an AI tool over a few weeks. He is in senior leadership, not a developer.
The business now depends on it every day, but who was there to approve it, let alone notice that it was even there?
I asked how he decided to build it rather than buy it or hire for it, and his answer sounded like me. He could do it himself, and probably faster than he could hire a team.
He was right. That's the part I keep coming back to.
He also enjoyed it, and that came through in his face. Not the speed, it was the building. Somewhere in there was a man who liked the idea of building something, and who had found a tool that made it possible.
This is not a story about a man who had no business writing software. The application works. He liked doing it. Probably learned a few things too.
Here's what's different when you sit in an organization that's more than just you. When he decided, an organization acquired a dependency.
Nobody reviews personal work
A company is an institution before anything else. Standards, approvals, compliance, separation of duties, a purchasing process, a security review, somebody whose signature is required before things happen. Most of that machinery exists for one purpose — to protect the company. When the company acquires something, the acquisition goes through a process.
When a person inside the company makes something, it doesn't. Nobody reviews your memo. Nobody signs off on the training guide you wrote for your new assistant, or the spreadsheet you built to keep the schedule straight. There is no review of personal work product and there never has been.
That was not an oversight. It was correct. If your spreadsheet is wrong, you fix your spreadsheet. The blast radius of a mistake in something you made for yourself was always small enough that reviewing it would have cost more than it saved.
A modern company will tell you it has this covered — shadow IT policy, SaaS discovery, SSO governance, somebody who watches for unsanctioned tools. All of it is real, and all of it fires on an acquisition event. Something gets bought, connected, licensed, requested. No event, no trigger. The policy is not weak. It is simply never called.
Part 1 of this series spent a while in 1987, when the LaserWriter and PageMaker put the tools of a profession in the hands of anyone with a Macintosh, and everyone with a Macintosh instantly concluded they were a great designer. The output was terrible but it was honest. The amateur's newsletter looked amateur, and the worst thing that happened was an ugly newsletter.
A few years after that I was a supervisor in city government, over one of five divisions in a department. I wanted a way to track ticket sales, and rather than use the systems we had, I built one. The same wave that put page layout on a desk had put a database there too. I was the guy who liked building it, and I was the guy who was proud that I could.
What it produced went into budgeting and P&L for that program. Not a large program. It was one service in a department full of bigger ones. But a real number in a real budget, coming out of something I made.
We had an MIS department, and they would have stopped it if they had known. They never knew. A review fires when the organization acquires something, and the organization hadn't acquired anything, or so it thought.
It did not survive me. If it had, it would have been unmaintainable — which is the other way these end, and I suspect the more common one.
Somebody is going to say this is shadow IT and we have had it since Lotus 1-2-3. Fair. Here is what I think is different now. My database was bad, but it was legible. Anybody who opened it could read what it did, because I had to hold all of it in my head to build it in the first place. There was no other way it could have gotten built. The thing that arrives today comes with no such guarantee. It can be larger than what the person who made it ever held at one time. Shadow IT you could reverse engineer. This you may not be able to, and the man whose name is on it may be no better positioned to do it than you are.
Here is the 2026 version. The tools of a trained profession are in everyone's hands again. What they produce now is not a newsletter. It is a working business system. And it goes in the same place the newsletter went, which is straight into use, past no review at all, because it is personal work product, and personal work product has never needed one.
The blast radius moved. The review didn't.
The moment
There is a moment in this that nobody owns.
It is the moment a thing somebody made becomes a thing the business depends on. It has no ceremony. No purchase, no contract, no signature, no renewal date that forces somebody to look at it once a year whether they want to or not. Nothing to inventory and nobody to call. The dependency accumulated instead of arriving.
The login
There is a login, though, and that one is worth thinking about.
Personal work gets built on personal credentials. Somebody authenticates a plug-in or a service with the account they already have, because it's the account they already have, and the thing works fine. Then they leave. IT terminates the account, and something the business runs on stops working. Nobody can say why, because nobody knew it was there.
Every control in the building worked exactly as designed that morning. Offboarding ran. The account was closed on schedule. A company doing everything right takes itself down, because the one thing it never had was a record that the connection existed.
I wrote a piece a while back about what happens when the AI vendor you depend on disappears. This is the same failure through a smaller door. The vendor is the business and it is still here. What disappeared was a connection nobody had written down.
Nowhere to put the question
Part 2 of the series ended with one question for telling an expert from a non-expert expert now that the output can't: what did you demand before you accepted this?
You don't ask that of a company. You ask it of a person, and that is where this comes apart. Ask it about the application and in this case, there is nowhere to put the question. The only person who could be asked is the person who built it, and they are the same person who accepted it. There was never a second party to it, so there was never a moment shaped like acceptance.
Look at where he was when he made the call. He was the buyer, the builder, and the reviewer. He decided the company needed it, he built it, and he decided it was good. Each of those is a real role, and organizations keep them in separate hands on purpose — that separation is most of the control a company actually has.
I don't think he decided to collapse it. Nobody weighs a barrier and then removes it. The barrier just didn't look like much. It's a review. It's a step. It's the kind of thing you'd get around to, and the tool in his hand was capable enough that the project never felt big enough to bother.
You can build a cart with three wheels. It rolls. It carries a load. It will do that for a good long while, and you will not learn what the fourth wheel was for until somebody takes it sideways down a hill.
Here's the kicker. I was in the room with the test in my hands and didn't use it. Not because I lost my nerve, but because I wasn't interrogating his application. I was determining what his needs were. That is the job of very nearly every conversation in which the question could come up.
The question — the test — has no owner.
The other room
Different company. I'm there as an outside partner. Their development lead mentions that the AI coding assistant built into their CRM platform has stopped working. He'd been using it, in his words, as a junior developer to handle the tedious parts. The fallback is the browser version, which is clunky, and which nobody had ever run against a deadline. You find out what a fallback is worth on the day you need it, and by then it is too late to find out.
Their project manager asked the right question immediately. What does this do to the timeline?
Too many unknowns, he said. She brought him back to it and got the same answer in different words. She brought him back a second time and got it again.
She asked the correct question, at the correct moment, twice, under pressure, of the one man who should have been able to answer it. Nothing she did was wrong. But she had no way to evaluate what came back. A non-answer is what comes back from a man facing something genuinely unknowable, and it is also what comes back from a man who never looked. She had no way to tell which one she was holding, and she couldn't report up the chain either way.
So in the first room there was nobody standing where the question goes. In the second there was somebody standing there who couldn't read the answer. Those are two different failures. They land in the same place.
What both rooms bought
Both of these companies bought speed, and both were right to want it. This is what I meant last month when I said that organizations declining to pay for interrogation time are manufacturing non-expert experts on purpose and rewarding it as velocity. I'd add one thing to it now. They are not only filling their ranks with them. They are becoming one.
A company that knows what was done and not how is fluent in its own operations and cannot explain them. It passes every test it sets for itself, because the deliverables are fine and the deliverables are what it looks at. It fails at the edges — the outage, the audit, the diligence, the morning the person who built the thing doesn't come in, when the three wheeled cart topples over. Which is exactly where part 1 said the non-expert expert fails, and exactly where expertise always earned its keep.
What an institution can't price
I made a version of this argument once already about people. Hundreds of employers and more than two dozen states dropped their degree requirements. Harvard Business School and the Burning Glass Institute went and looked at who actually got hired afterward — eleven thousand roles, a decade of hiring — and found that fewer than one hire in seven hundred came out any differently. Managers handed permission to judge skill directly discovered they couldn't see it, so they went on trusting the proxy they had just been told to ignore.
I thought I was writing about hiring. I was writing about that project manager.
An institution that can't see judgment can't price it. And what a company cannot price, it eventually stops paying for.
Where it runs out
Part 2 ended on cost. The discipline takes longer, and most people don't control their own schedule, so it is structurally unavailable to them.
I had the test — the discipline — in my head in both rooms and used it in neither.
In the first room I had questions. Was there an API on this thing. What would integrating with it involve. Had anybody looked at it from a security standpoint. What happens to this business if it stops working one morning. But I asked none of them, because the conversation was about something else. In the second I didn't ask because he was under the gun and I didn't want to look like I was piling on. If anything I should have been more supportive of the spot he was in. But my thoughts in that moment were the same as the project manager's.
So I had the question, in a room where it was the only useful question the company should want, and I didn't ask it. Twice in one month, for reasons I would defend both times.
Time was part 2's currency. This one runs on standing. Inside an organization, the person who asks what was demanded looks like he is slowing things down, or doubting a colleague, or working an angle. The benefit of the question goes to the company. The cost goes to whoever opens their mouth. We used to say that the person who sticks their head above the cubicle is the one who gets their head chopped off — so no one sticks their head up.
You can't process your way out of it either, because process is what produced it. Every asking role a company builds — audit, review, QA, security — exists because nobody would ask otherwise, and every one of them is understood by everybody else as the department that slows things down.
I don't have a fix for this one. Part 2 at least ended with something a person could do if they controlled their own calendar. This ends with a question that costs the asker and pays the company, and I have now watched myself decline to ask it twice for fear of having my own head chopped off.
Where this goes
Everything I have asked across three essays is some version of did anybody look — at the system, the result, the schedule, the calculation.
But I keep thinking about the man who built the application.
He was proud of it, and he had earned that. He made a fast call, he was right about the speed, and his company uses what he built every single day. Nobody has ever asked him what he demanded before he accepted it.
Nobody ever asked me either back at the city job when I built a database app, and I never noticed that no one questioned it.
Part 1 ended on the right answer sitting in the tool the whole time, waiting for somebody in the chair to ask for it. Two essays later I can tell you what the organizational version of that looks like. It isn't that the chair is empty.
Nobody ever built the chair.
A note on how this was written. As with parts 1 and 2: the ideas, the anecdotes, and every judgment call about what belongs on the page are mine; the production leverage is the machine's. The full note is at the end of part 1, and it still applies — with the added observation that this essay is largely about the method it's disclosing.
Bill Dunning is the founder of 416 Inc (dba Indggo), where he leads development of Edge Mesh Protocol — verification infrastructure for real-time media. Part 4 goes to the floor of the problem, where the thing that can't be trusted is the record itself. The canonical version of this series lives at forum.indggo.com.