Relatedly, what about the idea that people move to their own personal risk tolerance, which may not be aligned with the company's? For instance, I might figure

Relatedly, what about the idea that people move to their own personal risk tolerance, which may not be aligned with the company's? For instance, I might figure that a shortcut to get my component completed will have a 1% risk of destroying the project and getting me fired. That's acceptable to me, so I do it. But if there are multiple people in similar positions, each creating critical components, and making the same decision, all of a sudden the project is very likely to fail.