Man, I really have the impression that my video-on-demand service has a better understanding of ensuring availability and risk-management than either my bank or any government service. Could you imagine say a utility company creating a title called 'Chaos Engineer'.
Can you imagine how difficult that would be to justify in a bank or government service? It would be very hard to convince someone in a position of power at an institution like that that deliberately introducing random failures and problems into your production services would be a good idea. Even if it is a good idea, it would be hard to make that argument. If Netflix's system fails, the worst thing that could happen…
The only real difference is the load on staging would be generated artificially [e.g. ACH, credit card processing] using faked staging-only accounts. You even have a fake banking website for security audits that is a clone of production with the fake accounts.
No risk to production and probably 80% of the benefits. Of course its probably 125% of the effort.