[shermantanktop]

But someone that susceptible is likely going to have a bad reaction to many possible unexpected things. How would they react to a minor traffic accident? a family member getting hurt? a letter from tax authorities asking questions?

Having that serious an underlying health problem means everyday life represents risk for you. I don't think that means everyone else has to behave differently wrt (in this case wrt to billing mistakes) to keep you healthy.

[picofarad]

Yeah someone thinking they screwed up to the tune of tens of mlllions of dollars (or billions, someone said 2^30 error); this is different to an auto accident or something. Most people can't even fathom millions or billions of dollars.

I'm stressed thinking about it, like from a theoretical standpoint.