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> Most programs do not need to deal with memory exhaustion.

You keep making this assertion, but it doesn't appear to be true. There are several examples are on this subthread. I don't think you're justified in treating memory and disk space separately. The concerns that apply to one apply to the other. I know you cite relative frequency of failure as a reason to distinguish, but I don't buy it, because it's not a qualitative difference. Resource exhaustion is resource exhaustion.