$190 million?! What does the architecture consist of? A database, some forms and some integrations/api? I'm 90% sure they could have done that with free software and a good support contract with a UNIX provider for far less :/
This is a very common reaction that shows a lack of experience in dealing with scale IT systems. You're correct that a simple DB with some forms would be cheap. But integration tends to be crazy expense. For this sort of system, other things that also need to be covered: 1. Billing integration. Including changes to billing codes, bill (fine) printing, testing. 2. Audit integration. Because whenever money is handled,…
This is so impossible to optimize for :(
The really sad thing is that it's not humanly possible for one, or two or even just five people to do all of this, unless they were all like 19 or something, and then not for very long.
You literally do need all those departments that have the applied knowledge to do what they do well. Voila, $200M.