Better yet, people who have the mindset that it's ok to have these hipster "modular" features that spread out the responsibility (for whose benefit?) should really not be working on such fundamental pieces of technology. If you write software that holds people's money and you fuck up, you and only you are responsible for it.
This is a recurring theme with the Ethereum community where people complain about how there was a bug in the system which resulted in a huge hack and people losing tons of money, and developers say "hey don't blame me I just used some library, it's the library's fault".