It seems extreme to base my user account of a product on my employment status. Too much that could go wrong, when you could just make your application completely independent of your organization.

My point is that there is not a single user of my applications that has the ability to drop tables from a database. In your world, there would be some. But again, why? Why should any given user of GMail, for example, be able to delete any accounts on GMail? I can see why an employee of Google would be able to. But why a user of GMail?