This is a very low bar for success. When you're working with sensitive information or financial transactions, it isn't just about "working". If your code "works" but is impossible to reason about or untested, you're asking for people later on to introduce bugs.

Code is not written in a vacuum. The hardest part, for three nines of software problems, is not just getting it to work. It's architecture and building an engineering team that functions together. People are a major component of software development.