thats true, if there were one sigle "coder" who was cloistered away from the team and came back when s/he claimed the requirements were met and the task was complete. Whereas, in FDA (and presumably FAA/DoD) regulated designs, a massive team is following a rigid SDLC including code reviews for best practices.

Now, technically the FDA doesn't force that, all they specify is that some standard procedure must be followed, and written evidence must be produced upon demand showing that the procedure is followed. So you could contrive an example where a cowboy coder made his own sqrt() and completely broke it, and that somehow led to the death or injury to a patient, or an elevator going into free-fall. or a fuze detonating. sure. Is that likely to happen? absolutely not.