>But if the 'grunts' had the power to say 'no, I will not do this because it is insecure and my license is on the line' then that's a good thing. No?
This will never work in a global economy. If you outsource the software you're just begging companies to find someone making 15$ the fall guy.
Sounds pretty bad. Your manager tells you to do something stupid or your fired. You do so, and when it fails they blame you and your software engineering license is revoked. You can't find a job and now get to live in a homeless shelter.
Meaningful fines for companies is the only way to fix this.
Maybe... For some sensitive things like location data an expensive permit should be required. But this needs to be a corporate responsibility, not an individual one.
In your scenario bad companies are going to ruin the lives of their employees by making them risk their licenses.