Work environments usually already have strict controls on financial accounts for very obvious reasons. This does result in stupid "why do I need director approval to buy a stapler?" stories, but the alternative risks all sorts of internal and external frauds.

(a notable achievement of SaaS and now AI has been to totally circumvent spending controls. You might not be able to spend $10 on a USB cable without a purchase order, but you can run up an AI bill of arbitrary size and in some places are encouraged to!)