Where you have a hardware-centric approach, I'd assume that the whole system, software included has been pretty well tested and engineered to a great deal.
But banking software and I postulate most software that hacker news contributors write is probably going to be inherently flaky in some respect. The main fault for this is that writing software is so quick and easy compared to creating something physical that will last.
It's due to the push to get something to market and the "easy" nature of software development that leaves true engineering discipline by the wayside.
Yes, you can be in a situation (especially when people's lives depend on it directly such as medical equipment) when you are properly engineering a solution, but I still stand by my premise that most software development is not software engineering - you're just making sandcastles.