Someone can and will break RI on any app where you have rolled your own. It is hubris to think you can do this better than the database engine.
It's not a matter of better. It's a matter of more useful.
1. This Multiple Field Foreign Key arrangement has proven to be very effective in creating much needed flexibility.
2. Using Queries to replace putting Forms in Data Entry Mode has made them almost bullet proof when it comes to following business rules, and controlling the creation of records.
3. Replacing the traditional "Many-to-One" relationships with Many to Many, allows database design to mimic real world systems. Many to Many by definition can't really be controlled by the built in RI.
4. After so many examples of where it is not available to use, we simply no longer rely on it.
It may be arrogance, as you say. But, what we do works, and in the last couple of years, hundreds of thousands of records have been put into our Access Databases and none of them have the problems you describe.
The main thing we do differently is to force All New Records to be entered through some kind of Query. Fill-in a bunch of unbound fields, on an unbound form, and voila, no direct access to tables = no missing data.