Netflix is a great example of how to create robust systems. Keep in mind though, they have a very different risk profile than a large bank. no one is going to lose their life’s savings if netflix entire infrastructure crumbles. This might happen in a bank with a single server outtage. Don’t get me wrong, if I start a bank today, I use chaos monkey stategy. But if I take over a bank infrastructure, with cobol still representing a huge percentage of mission critical code that everyone is scared to touch... no chaos monkey. I might deliberately turn off a server for an hour to see what chaos ensues, but it’ll be after 3 months of analysis, longer if I begin to suspect the system does more than anyone can remember.

Not to mention adhering to the Fed's directives on tech-readiness, on which the Bank's license hinges on.

If a customer can't watch a film they get unhappy.

If a customer can't pay a fine - can't use their bank account - they go to jail. https://www.telegraph.co.uk/finance/personalfinance/bank-acc...

These are pretty different outcomes.