There is usually a setting for the rear seat reminder. It's to remind people to not leave their babies in the car. Maybe the volume is purposefully set a little high to wake the kid up just in case you forget.
Fatigue, some medications (and drugs, to be fair), and stress, perhaps? Being tired or stressed has made me miss exits. Then again, songs on the radio or whatever have, too.
99.999% of the time, no. But the consequences of forgetting are disastrous, and it's happened to plenty of well-meaning but distracted and preoccupied people. It was one of my greatest fears when my kids were young.