Right.. but 54 million..

Lets half that 27 million..

Wage for a UX expert ~ 200k/year

Wage for a rails (or elixir or python) dev ~ 200k/year

Wage for a Data person (AI stuff) ~ 200k/year

Let's half the 27 again.. 13 million. OR => 65 full time staff to build an app.

I agree, it is harder to design something. But at 1/4 the cost one could hire 30 UX experts and 30 devs.. I mean come on.. Really?

Regarding security.. they could have daily PEN testing by a dozen companies and the cost wouldn't be close.