I usually tell people you don't need as much reliability as you think.

Three nines reliability is great for most purposes. 8 hours downtime a year.

If your system produces money at a constant rate, it captures 99.9% of the available money. Even two nines or one nine might be pretty good on that basis, when the alternative is spending 2x or 10x as much - let's build another unreliable system with that money that captures some other independent market opportunity.

Poor reliability is a problem where you need to chain many systems together, or where the cost of a single failure is very large compared to a success. Or - as happens commonly because of load - if your periods of unreliability are correlated with periods of maximum opportunity, like an e-commerce site failing on Black Friday or a trading system failing when the market is most busy. But if you don't have one of those cases, evaluate whether investing in reliability is actually worth it to you.

GitHub is an example where two nines of reliability ought to be OK. The argument against it is that it's bad marketing to have an unreliable service, especially one aimed at software engineers. And if GitHub is largely a marketing play by Microsoft anyway (do they really make back its cost in enterprise subscriptions?) then marketing considerations need to drive its reliability.