Because no one is expecting it to work if a null is passed. Your total range of behaviours left are crashes, doesn't crash and is silently ok, or doesn't crash and causes something worse (data corruption, you get your product in a CVE, that area).
My proposition is that "it's silently ok" isn't likely enough, which is in line with your position on "don't extend the contract to accept null". So what's left is crash, or something worse.
So if those are your choices, don't waste time justifying that a null can't get there, just add a check to ensure you get the better behaviour. It takes seconds.
If you follow that line of reasoning, you will end up testing almost every pointer before accessing it. The reason is that you are extending your valid state space massively since you aren't able to specify "this subset of 7 trillion distinct states is invalid, if it was the case we would have failed before".
You are requiring yourself to find a valid outcome for an input that doesn't make _any_ sense in the context of what your application is meant to achieve. How is that not a Sysiphean task?
You're not "extending" the valid state space. That null value being passed to that function is already a potential state of your program.
You're actually pruning the valid state space; before, when the null value is passed to the function, there are more operations performed that have uncertain consequences. If you assert-and-fail when you get the null input, you've pruned those states.
So if I understand correctly now, you _do_ proclaim to put asserts, not write code that somehow copes with the "possiblity" of NULL.
"Because no one is expecting it to work if a null is passed", so you can do whatever. If you write an assert for every pointer passed to every function, that will be a lot of asserts, for pretty much the same outcome in practice. Asserts are just marginally more ergonomic when they trigger, but are a nuisance in the code often. So my position is to use them judiciously, but not overdo it, be instead focused on the actual task.
When the lack of non-null assertions is an actual problem during development, you have much larger structural issues.
Yes. The work to assert each pointer passed into a function isn't "high"; it's purely mechanical, it could almost be refactored automatically. But most of all, the effort required to prove you don't need to is _way_ higher.