I think I understand your fear. Someone may sploit a bug, or something may just go wrong and billions of dollars are lost forever, and it is a protocol fault?
There was one bug in the bitcoin codebase once which was very critical but not exploited before it got patched. Infrastructure bugs are always scary.
Plus humans are pretty stupid (coders) etc. .
Best is to hope that humans don't commit code with scary bugs or that the bugs aren't discovered and exploited in time before they got patched.