Simple UI stuff is low-risk, managing deposits and channels high risk.
Exactly.
At my previous company, I never had to think about this. All I did was to work on the same microservice that was connected to and consumed by basically everything else (microservice architecture at it's finest) and some bugs and their impacts were so ridiculous, I started to treat my code like any bug in it could grind the whole company to a halt, lol
And every time I found a bug, I wrote a test case for it so it never happens again.
Funny to think about it in hindsight.