Not talking about the circuits, but the main electrical connection to the grid. To me it often seems like there's reluctance in overcommitting overprovisioning that capacity: as an example, four 16A circuits on a 25A main breaker. Here that's quite common, but even in Tech connections videos I've seen him bring up smart electric cabinets or automatic load monitoring when putting enough capacity on the mains to possibly go over.
What I'm asking is, why bother? If you trip the mains by having too much load, just reset the breaker and be done with it. No need to automate things to not run into that situation, one will learn to not have the oven on while charging the car full blast. No need to gimp the charger amperage since you're running a new circuit anyway, and it's not like it's much different running a 20A circuit vs a 40A one. If that's 70% of your total available capacity, it doesn't matter – worst you have to do is walk downstairs and flip a switch.