Yep, and programmers only have a few decades instead of hundreds of years to have built up generational knowledge of pitfalls and best practices, and even then traditional systems get things wrong.
I'm not convinced that programmers and computers can bootstrap to that level of experience very quickly. I think a decade ago I was more optimistic on that possibility, but a decade of repeating history has made me a bit more pessimistic on that ability and cynical about the motives of most people involved.
For this one you need programmers and computers.
On both cases, if you go in blind or wing it you might get burned.