It recognizes how things are already. The 5 V and 3.3 V step-down converters in the PSU are pretty much only for Molex/SATA-connected peripherals, and those don't use 3.3 V anyway (99.5 % of them), since it's not guaranteed to be there. So the 3.3 V rail is pretty much pointless. 5 V not quite as much, but even in an enthusiast-level PC there will be probably just a handful of things actually connected to that - most likely SSD/HDD and maybe something like a fan controller.
No heavy loads are connected to the 5 V / 3.3 V rails. Those are all supplied through the 12 V rail.