I think this gets it fundamentally correct, although your point has some validity. But the reason that enterprises often wish to pay for configuration of the software instead of changing their own workflows, is that one of these requires no work from them (the decision makers), and the other does.
Much of what is called "enterprise software" is actually more like a proprietary programming language or framework, which you will have to pay specialists to program your application in, with bad debugging tools.
Lastly, Oracle and SAP and etc. aren't actually good at the problem you describe, as attested to by the many users who hate their products. They're just good at selling their software to the decision makers (not the users).
Much of what is called "enterprise software" is actually more like a proprietary programming language or framework, which you will have to pay specialists to program your application in, with bad debugging tools.
Lastly, Oracle and SAP and etc. aren't actually good at the problem you describe, as attested to by the many users who hate their products. They're just good at selling their software to the decision makers (not the users).