If you think those industries work on the competency of their programmers instead of the competency of their systems you've got a big surprise coming for you

I don't think my experience is standalone in this. People will use tools to help them however they can. What sector a programmer in will likely have no affect on AI use. It may be harder to use on a secure network but people can still do it on their phone or personal computer. And medical and aerospace is heavily regulated and tested so the likelihood of bad AI code getting through is very low. (not to say coding mistakes don't happen, just look at the boeing 737 max crashes) And militaries also test their equipment before/after purchase. While they are often held to different standards than commercial equipment a military usually has people who are competent reviewing code and equipment.