I mostly agree: for many businesses, a big SaaS outage and a payments outage can look similar in impact (lost revenue, interrupted operations). It’s not “life or death” most of the time.

The reason money-related systems often get singled out is the combination of irreversibility and auditability: a bad state transition can mean incorrect balances/settlement, messy reconciliation, regulatory reporting, and long-tail customer harm that persists after the outage is over.

That said, my point isn’t “finance is special therefore FP.” It’s “build resilience and correctness by design early”, explicit state machines/invariants, idempotency/reconciliation, and making invalid states hard to represent. Doing this from the beginning also improves the developer experience: safer refactors, clearer reviews, fewer ‘tribal knowledge’ bugs.