One heck of a lot of reloads are +P+, sometimes it is intentional, and sometimes it is not. The pressure curve is exponential and it does not take much to shift that curve a tiny bit and create huge pressures. Humans don't think in exponential terms, so, they don't intuitively understand the risks with exponential processes.
I have met a number of nuts at the range who were bragging how their loads were several grains over max. Pity the poor gun manufacturer who designs their firearm to a load. All firearms are designed to a load, the pressures inside the chamber are converted from pounds per inch, to pounds, by taking into account the surface area. This load is based on industry agreements, that is SAAMI, which sets maximum cartridge pressures. The firearm is built around this, plus safety factors, and shipped out to a reloader who totally disregards pressure limits and assumes that the pressure curve reacts linearly to charge weight.
Then there are careful reloaders who have accidents. Since we are all human, all make errors, hey, it happens. In fact, if you have been noticing, factories make errors which occasionally blow up firearms. But, unlike the home reloader, they have the ability to test pressures, so the high pressure cartridges are due to process errors, not ignorance.
I sat across the breakfast table, on travel, from a guy who was an executive at Dan Wesson firearms. He said every pistol that came back blown up was due to reloads.
Something else that seemed to be totally ignored in the shooting community is the effect of fatigue. Sure the firearm can withstand a couple of high pressure loads, (if you are lucky), but overstressing the materials reduces the service life of the part. Overstressed parts will fatigue fracture sooner than non overstressed parts. I have posted in a couple of threads about this and generally the response is that no one believes in fatigue fracture failure. Everyone believes in the big badda boom, an overpressure condition that is large enough to blow the gun into pieces, but no one seems to believe that a part with an overstress history can fail with a standard load.
It can happen to guns because guns are not immune to the laws of physics nor to the physical properties of materials.