It only works well in a "no blame" culture - just like software development should be. Sure, one person can really mess up, but there should be systems and processes in place that prevent that from happening or becoming a major issue. This includes limiting access to production, code reviews, CI, etc.

It feels like these best practices are often forgotten or skipped by people who just want to feel productive (be it through writing their own code or using AI). Which is fine to a point - for personal projects.