Unfortunately, it's not just small business. There are some very, very large players that still use Access that I'm aware of. Every thing you said still applies though.
This is at least a big a deal as, e.g, South Korea's eternal love affair with Windows XP. It shapes the whole technoeconomic apparatus.
With social tech sites like HN and /r/programming, we tend to forget that the business needs that drove the RAD CRUD-type apps of the 1990s never went away, it's just not interesting to talk about anymore.