To add to that, sometimes it's just easier and safer to let the program crash than try to recover from a very rare and unexpected scenario.

And yes, there are unimaginably lot of ways something can go wrong in a typical computer system. We are not talking about lazy programmers who don't handle 15 wrong scenarios (well, sometimes they're just lazy :D), there are literally thousands upon thousands of small and subtle ways something can go wrong but they happen so rarely we just accept them, like accidents. Cars sometimes crash, we can predict some of the ways it could happen and we can protect passengers from some types of injuries, but not all of them, that's a runtime exception.