You are talking off the shelf common bikes sold in shops?
As You should know Most Bikes in the US the rack is an after sale accessory.
its becoming a bit more Euro by having a few companies making racks and mudguards part of the parts kit in the Box.
some Custom Builds Like Ian Hibell's bikes evolved to be rather substantial
Ian Hibell - 'Argos Racing Cycles' touring bike 2
another top tube, pointed back.
http://www.bikebrothers.co.uk/ianhib...1_files/06.jpg