i dont think engines make a good comparison for this,

try it with tires. factory rated tires can handle the 3200Lbs the car weights up to 90MPH where the car electronically limits your speed (this is a real scenario for some cars btw)

if you remove that limiter and push your car to 120MPH, your tires then rip apart and you die in a giant fireball. your wife then calls them up and says its the car companies fault. is she right? or is it the owners fault for letting his car go to new speeds and not getting Z rated tires. (this is with the 4800 cards)

the 5800 example would be the car automatically shuts off the fuel as it feels unbalancing in the tires, and knows they are about to fail. sure the car can still go faster, but not fast enough to cause anyone to die in a giant fireball

hope you like my example