Let‘s look at the results: NASA probably uses some of the most rigorous development and testing methods in the world, but I‘d still rather trust my life to the flight control software of SpaceX who doesn‘t give a damn about education.
The banks losing data mentioned by OP are way more rigid in their hiring and certification standards than a Stripe for example. Who would you rather trust on security?
My point is: I’m all for better code, but Culture trumps certification and standards every single time.