Is that any different than any digital service with its 99.99% uptime? Robinhood will do everything it says it does except for the once in 30 years black swan m

Is that any different than any digital service with its 99.99% uptime? Robinhood will do everything it says it does except for the once in 30 years black swan meme event where 50% of their users try to invest their life savings at once