I'm sure the developers are competent, but the reason I care about the design decisions is the same reason the electric brakes on cars don't interface with its infotainment system; the interface inherently creates opportunities for out of spec behaviour and even if the introduced risk is tiny, the consequence is so bad that it's worth avoiding.

If you have to have an airbag be controlled by software (ideally the mechanism is physical, like a pull tab), it should be an isolated real time device with monitoring your accelerometer and triggering the airbag be it's only jobs. If it's also waiting to hear back from another device about whether your subscription ran out before it starts checking, the risk of failure also has to consider that triggering device.

It can be done perfectly, but it's software so of course it has bugs.