Experience. The worst horrors I've seen have been in the finance sector. I'm currently working on one where the developers don't know transactions exist. And millions of dollars of transactions daily are coordinated by users emailing inline csv files.

I'll add an experience with a bank that could only accept ACH batches via ActiveX control in Internet Explorer.

Oh, and a brokerage that actively prevented password managers from pasting passwords into the login form.

Visa

Okay where's your citation of a startup that is all about engineering excellence and not about shipping product?

Cruise