Most of the projects/companies/teams I've worked on didn't have tests, adequate backups or had scenarios where errant keystrokes blow up production but it's nothing that has been world-stopping and these jobs rarely involved anything were downtime equated to real harm (outside of the economics of the companies themselves, but usually nobody necessarily cared as long as things got fixed).
Companies that subscribe to YOLO-level development usually already _know_ that and with it, comes a certain understanding that shit will break, it's just minimizing the blast radius by learning/knowing the code bases and leaning on those with more experience.