That’s like arguing that we shouldn’t have laws in case a cop is having a bad day and follows you around writing tickets. This is a legal process like anything else: your standard should be what you’re comfortable defending in court. Being able to show a good faith decision process, compliance with common industry practice, etc. are going to help the case that any lapse was unintentional.
If your angry ex is hired by a regulator you’d appeal it but there’s no reason to think that’s a common problem.