It's a bit like beer drinking.
If you have a barrel of beer and you know that you go bonkers after only 2 pints, you'll still try and get four or five down your gullet.
Or economy:
Let's say you earn 1000 "currency units" a day.
As long as you use less than that, you have no problem.
But when you get close to spending 1000 CU per day, things start getting critical. You strain your relations to your girlfriend because there is no buffer to pay for a trip to town, and small fluctuations will build debt.
If you start spending a bit more than 1000, you will start wearing things down. You will have to sell your canary and the unicycle to pay, and the girlfriend will leave because you never take her out.
(Your power supply will overheat and the parts will wear down)
If you really overspend (draw too much current or short circuit), you will pop the fuze, trigger the over-current protection or set the supply on fire.
You should not "just accept it".
You should realize, that your supply is designed to deliver a given amount of power, and that drawing more power takes it beyond what it is designed for, in which case it will either shut down to protect itself or be ruined.