Re: "It's very easy for a developer to break the "pay now" button or the onboarding if they aren't testing that those flows continue work after every change."
If it's this easy to break the money path, it sounds like the problem isn't a lack of end-to-end testing, but a lack of unit testing, enforced API contracts, type/null safety in your language choice, and lack of developer discipline.
The tip of the testing pyramid should be your last defense against bugs, not the first.
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Re: "It's very easy for a developer to break the "pay now" button or the onboarding if they aren't testing that those flows continue work after every change."
If it's this easy to break the money path, it sounds like the problem isn't a lack of end-to-end testing, but a lack of unit testing, enforced API contracts, type/null safety in your language choice, and lack of developer discipline.
The tip of the testing pyramid should be your last defense against bugs, not the first.