What's your bar for "safe enough to ship v1" on money or health data?

Checklists always look the same: tested, works, has a landing page. The part that actually slowed me down building in personal finance wasn't any of that, it was "would I trust this with my own bank statement," which isn't really a checklist item, it's more of a gut check that doesn't show up until you're already deep in it.

Curious what that bar looks like for people in adjacent spaces, health data, identity, anything where "it works" and "it's safe to trust" aren't the same question.