I can confirm I have fucked up on numerous occasions which resulted in NPEs which caused business processes to fail spectacularly and write off millions of dollars instantly. Fortunately in every case it was possible to recover, replay or repair the data so the only real cost was a little bit of reputation and time and money. But that adds up across tens of thousands of engineers, probably to billions by now globally.

I learned a lot from this and discovered that the real issue is that a process can fail spectacularly and do any damage at all. There are so many other concerns other than NPEs which need to be considered.