[TeamCommet1]

Disposable architecture is a luxury of stateless systems. Once you deal with financial ledgers or tax compliance, the cost of "disposing" and rewriting a component is astronomical because of the audit trail requirements.

Reliability in fintech isn't just about a clean interface; it's about the historical context of every transaction. If you treat your core logic as disposable, you aren't just swapping code, you're risking the integrity of the data history, which is the actual product.