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"Treat infrastructure as possible failure points and prepare accordingly" holds just as well for the payment infrastructure. Interesting and fresh perspective, thank you for sharing.

It's not possible to increase availability with redundancy in all cases, because not all financial actions are idempotent.

For example, sending money via a banking wire. If the bank goes down, you can't send a second wire through another bank without loss because the first wire is not retractable.

Great practice, specifically determining how much redundancy you need, and making sure it is available. The theme also goes with your acct name quite nicely!