This discussion is assuming that the outage is entirely out of your control because the underlying datacenter you relied on went down.

Outages because of bad code do happen and the criticism is fully on the company. They can be mitigated by better testing and quick rollbacks, which is good. But outages at the datacenter level - nothing you can do about that. You just wait until the datacenter is fixed.

This discussion started because companies are actually fine with this state of affairs. They are risking major outages but so are all their competitors so it’s fine actually. The juice isn’t worth the squeeze to them, unless an external entity like the banking regulator makes them care.