I would agree that the amount of effort required in order to get such things written and working "as expected" is far from trivial (even with such a tiny program such as the Crowdfund example I posted).

However it really isn't that much different to writing critical code for other things (such as medical equipment or software for spaceships) so I don't think it is without precedent (but is perhaps quite alien to the vast majority of programmers).

Rushing into writing complex "smart contracts" (and putting them in charge of millions of dollars worth of tokens) is not a good idea. This is a new and emerging field that is most likely only going to improve through a lot of unfortunate mistakes.