This is only a viable answer when overcommit is disabled. The problem comes when overcommit is enabled and you find yourself in a position where many programs think they already have memory and yet there is none to give them. If you simply kill the first piece of code that encounters the end of available memory you might take down anything including the kernel itself.

Nothing like statically allocating memory can work when overcommit is enabled because the kernel is free to compress memory, page it out and etc. and then murder you the next time you try to perform any operation that it doesn't have the space for, no matter how safe and static your initialization was.

Note that overcommit is very useful in many cases including the ones where swap saves the stability of the system under conditions that would otherwise completely lock up or panic, so it's also not viable to just prevent it from being used.