and most consumer systems don’t even have a power cord to yank.

Some do. And the rest occasionally forcibly reboot (kernel panic or hardware failure), need to be manually forcibly rebooted (due to frozen UI), or unexpectedly loose battery, all leading to the same outcome. At least, that’s been my experience with just about every computer, phone, tablet, smartwatch, game console, and smart TV I’ve ever owned. Plus a number of routers. Is your experience different?