Fermentation is care
Properly fermented foods do not just happen.
The correct conditions encourage the cultures we want and discourage the cultures we do not want. Bread, kimchi, sourdough, alcohol, cheese, and cacao all depend on that same basic principle.
Toxins do not simply happen either. They require particular sets of circumstances, and in many food systems the resulting product smells or tastes bad long before anyone wants to eat it.
The concern here is cacao beans and chocolate. Cacao is fermented by a host of microorganisms, but molds are not part of the normal succession that turns raw cacao into good fermented cacao. Good cacao conditions tend to inhibit mold rather than invite it.
70% nibs
5% cocoa butter
25% sugar
48 hours refining
0.5% Cocoa Butter Silk