Well-run payment systems are developed by engineers who understand what is the best use of their time: to catch unknown unknowns, and to do it fast.

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Uber tests its payment systems in production to ensure high-quality software by catching the exotic bugs that staging environments can't reveal. They follow a strategy that includes rolling out changes against business metrics, carefully selecting initial rollout regions, and using canary deployments to mitigate risks. This approach allows them to detect issues early and minimize the impact on their users.

Cringey, But True: How Uber Tests Payments In Production

“But software is just information: if it’s correct, it stays that way. Hardware does need replacement, but the correct software that runs on it keeps running.”
That’s factually just plain wrong, only by the fact that your software depends on other software that depend on the hardware, at some point changing the hardware becomes impossible without changing the software.
It ain’t relevant to the rest of the article but it doesn’t exactly fill me with confidence regarding the aforementioned rest of the article