Earlier quoted context omitted.
Editing complex functions in a spreadsheet is an absolute nightmare Can you expand on why? Also, if you can imagine a spreadsheet that actually did a good job of this, what would it look like?
I can think of a few reasons, though they may not be the ones he has in mind. There's the fact that you're dealing with cell references rather than variable names, so all of your expressions look like ($K4 - $S$1) rather than (principal - payment). There's the fact that the IDE you're working in is trash -- rather than a text file with carefully indented parenthetical statements, it's a single line text field. Sort o…
Data and formulas were kept completely separate so you could change them at will.