There was at one time a significant theory about the human capability to operate within the well-designed loop, versus his ability to effectively, long-term, monitor a control loop operating autonomously.
The evidence at that time was seen to support the former rather than the latter. There were some theories postulated why this should be true, including evolutionary processes, that favor the "doer" over the "watcher" role for mere mortals.
What is the current thinking in this regard? Airbus particularly seems to have departed from this quasiparadigm (if you'll pardon my vocabulary).
The insurance industry must have some opinion one way or the other.