[Vince]

People crave statistics. I reckon it's easier to implement these things directly rather than having to go back later to switch it all out. Some things simply hinge on the account system and you need to have it in place before you can continue. Especially in the case of SQL databases where everything will be pretty much intertwined from the very beginning (assuming proper normalization). Bank systems and nearly everything else that has to do with money are the first things that come to mind.