Your production is not my production. 5 9's of businesses don't need 5 9's, and in my experience, people who talk like they do are talking from a position of managing 1 or 2 production systems in a single domain.

My experience is that the largest regulated production systems I've run have clearly been larger and more complex than my homelab, but my homelab has been significantly more resilient, featureful and robust than many of the smaller production systems I've been responsible for outside of regulated domains.