It's time to have a mandatory certification for people who develop critical systems. After such certification, you can consider such an implementation a malpractice, and sue them for it (of course the penalty is paid by the insurance company which sold the malpractice insurance). Doctors, lawyers, and many other professions have such system, why can't we have it as well?
https://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Sec...