In 90% of the cases. And if you don't know how to spot that other 10%, you are still screwed, cause someone else will found that (and you don't even need to be an elite black hat to find it).
If we're saying the way to ensure competency is to instill fear of not getting money tomorrow as a consequence of failure, then AI companies and humans are on equal footing.
It's like having multiple people audit your systems. Even if everyone only catches 90%, as long as they don't catch exactly the same 90%, this parallel effort helps.