I said this long time ago but I say it again. Where did 4GL (or Relational Database Application Program Development Language) go. I used to use 4GL/Relational Database to create a multi user DOS application. It was easy to make and I could add lots of functions.
Now we have SQL (Database) and PHP, PERL, CGI, Java, C, C++ languages but there is no east user interface development tool. You need to be a programmer to use tools like those. The problem is that the programmers do not understand business or accounting to create useful programs. We need easy-to-use database application programming tools like dBASE, DataFlex, Paradox, Revelation with the backend being HTTP server.
Cloud and this infrastructures does not mean anything if you do not have application programs.