Nah, they didn’t grow up before computers: they were programing mainframes in the 60s. Those programmers can write you an absolute masterpiece of software … in COBOL. Also, they don’t bother with documentation because they’re intimately familiar with every line of code considering they created the whole system from scratch 40 years ago.
The point at when you’re “screwed” is when they retire and some poor bastard inherits an inscrutably complex system, written in a 60 year old language no one uses anymore, and with zero documentation.