>I think you have to define "robust" with respect to who your customer is. If you have a mom & pop customer who can not afford [or need] an app like Bank One can, I am sure not going to put much T&E into robustness and scalability. This certainly does not mean I am going to develop and sell them crap either.
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Robust and scaleable are not necessarily the same thing. They are related. Robust is another way of saying reliable. And, regardless of the size of app, if you don't take reasonable efforts to make it robust - your nothing but a meatball/hack of a developer...