> Most systems these days have over commit

Sure if you ignore the most popular desktop OS in the world.

Also overcommit (at least how Linux does it) is dumb. It leads to broken OOM behaviour (killing a totally random process, or more often locking up the system and hard rebooting). And some apps do need to handle OOM properly, e.g. formal verification systems which can use enormous amounts of memory. Jasper has to resort to monitoring page fault stats to know when it is using too much memory.