Then you're going to have to start paying entry level IT like surgeons. Nobody is going to take that kind of risk for $30K.
That might not be a bad thing, if the insurance comes with some kind of way to get lower premiums for being less risky.
Sure a junior programmer or devops may do something dumb. That’s not the problem - at all. The problem is pretending they are a professional. They are not. They are juniors that need mentorship and should be _expected_ to mess up frequently.
To use a different analogy. If I bring my car to the mechanic, i’m OK with the new guy working on my car, assuming that the senior mechanic, you know, double checks their work. Is that not a reasonable assumption?
None of this makes ANY sense to me. To be blunt.