You're assuming you have any decent, prompt way of detecting emergent errors before it causes damage. There is none. Whether the corruption hits a pointer (likely to cause a crash) or a tax document is effectively completely random.
That's assuming the thing you are currently doing is what crashes, and not instead creating data (a document, a compiled binary, a financial transaction, a crypto key) which is silently corrupted and the corruption is only detected way later. C.f. xerox photocopier bug (not saying that was a memory bug, example is an insidious bug).
A lot of damage can be done before you get an obvious memory-induced crash. Software crashes all the time for reasons other than memory issues, even someone with deep technical knowledge wouldn't necessarily jump to that conclusion. And everyone else would A) probably never even think of the possibility, B) not know how to test their memory, C) probably buy a whole new laptop instead
