I found myself doing it when I get quotes for home repair or construction. My mind immediately goes to "I don't think it should take that long" even though I have no idea how to estimate those types of projects.
I wonder if it's because with something I'm not knowledgeable about I'm only estimating what I can see, but there are 5-10 tasks that have to happen in the background to make that thing I can see work properly. I just have no idea what those background tasks are to begin with or how many.