For sure, I just don't see it coming out of a place of "I need to analyze my credit card statement"
Excel wasn't built out of a small personal project, it was a huge multi engineer project built on microsoft (built upon decades of spreadsheet software tradition and arguably centuries of accounting tradition), by a company that had a huge userbase that acted as stakeholders for managing the data and accounts of multi million dollar companies and small businesses alike.
I think that complex contraptions arise more from complex necessities than overengineering a solution from a simple problem
> Excel wasn't built out of a small personal project,
But another program with a similar impact -- dBase, the precursor to Microsoft Access, was. Cecil Ratliff wrote it to manage football statistics so he could win his office football pool.
