Those are not even remotely equivalent costs.

You’re right, only if the person building the application is using sound judgement, which goes against the premise.

You and I wouldn’t build applications naively that could lead to people dying. People who don’t understand what they’re building might.

People are vibe coding at your hospital. They’re vibe coding at your utility company. They’re vibe coding at your pharma lab. I’ve met these people. They’re smart. They have phds. I tell them about SSL.