This post is bringing out the MS haters and most don't know what they're talking about. MS took the initial lead in AI and it shows in their products. It was Google that was left in the starting blocks but they have thankfully recovered. Competition is good for all.
No one is wasting money. These audits must be done. I do think however that the chances of anyone over 115, or deceased, collecting money is extremely low.
For fun, I made a Javascript library that implements most of the Date and String functions found in various SQL dialects. We have the home page https://www.ddginc-usa.com//dbFunctions.htm and a Playground for play and Documentation. I posted this on Show HN about a week ago and received minimal response.
I've never seen a database with FKs that I regretted were there but plenty without FKs that caused issues. Also - generally make sure you index your FKs.