Earlier quoted context omitted.
If you are not a developer, spreadsheets are a tool that lets you get similar capability in many cases. It is basically no-code for accountants, portfolio managers, and non software engineers.
Cool. If you have a spreadsheet that's longer-lived than a few hours, you should probably evaluate whether you're adopting the best approach. You can replace a blown fuse with a penny, too, but you should probably call an electrician instead.
Your penny analogy is contrived because a penny isn't remotely close to working like a fuse and a mistake can be deadly. No one is going to die if you use a spreadsheet instead of Jira for project tracking.