and my wild ass guess is that there is a million more times of a chance of bending or busting a rd hanger, or the rd itself, or busting a rim by smacking into something--all plausible stuff that happens if one isn't careful.
I certainly don't worry about a frame problem, but am aware of all the other stuff that could happen if not careful and or if a rider has dubious riding habits or is just plain klutzy.
touch wood touch wood