So how do you know?
You usually don't. That's one of the basic assumption in designing digital systems, really.
Our complete electronic ecosystem is based on assumptions that signal integrity issues are sorted out during design, then we assume communication does not fail.
Not doing this assumption makes the design much more complex, time-consuming, and expensive than most (including nctnico) ever guess. Your $200 smartphone becomes a $200 million space device.
For example, DRAM is parity checked in mission critical information technology (like servers) not because of designers not trusting the RAM interface, but because DRAM itself has a certain bit corruption rate.
CPUs internally do not checksum any internal bus. External buses are rarely checksummed either. Discrete logic is almost never designed to be safe against signal corruption.
Yet electronics can be very robust, despite the assumption that communication does not fail. Why? Because of
signal integrity and strict EMC compliance requirements. The world operates fine regardless of nctnico failing to understand how it works. The world is practical; if there is a problem, it is solved. If some interface requires extra robustness, it is added. Extreme principles are avoided because they become expensive.
nctnico's claim is that SPI and I2C somehow are different and require checksumming. This is usually a total fallacy. Normal SI applies to these single ended signals, like any other on-board logic signal. Besides, the idea of adding checksumming remains mostly theoretical; people typically use existing I2C or SPI slave ICs, which almost never implement any way of checksumming. Some do, but most do not.
I'm not saying adding a checksum is a bad idea; some tiny part of SPI/I2C devices do this. And if you roll your own both sides, then you obviously can do it.
And if you abuse the buses outside of the intended usage and your SI sucks as a result, one way to try to deal with it is adding checksumming.
It's just that if you
ever see the error trigger, that means, you have seriously f*cked up your SI, or are operating in an environment with devices
seriously compromising their EMC requirement. Or you are operating in space. The question is, what is the likelihood that the same "noise" that corrupted your I2C or SPI won't corrupt something else on-board that you failed to safeguard? That's right, in such special conditions, you need completely different mindset.