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So in theory why does your car provide 14 volts when its a 12V system? Voltage fluctuates while a PSU is running, you can verify this in the Bios check the 3V + 5V feeds.
Car voltage is higher to charge the battery. Many car accessories have a decently good tolerance to voltage since it is a bit necessary. 13.5v to 16v is intentional. The way I understand it, the alternator will pulse, for example, twice the voltage at 50% duty cycle to equal the correct voltage
On PSUs, voltage is commonly set intentionally high so that the voltage droop under load stays within spec. Take two identical power supplies, one set for 12v and one set for 12.2v, the former will drop out of "normal" 12v range as defined by the ATX specification slightly before the latter.
I'm simplying it, obviously resistance changes as different parts of the CPU are used, but assuming constant load (or idle,) the resistance will generally speaking remain the same. When the resistance changes is when load on the CPU changes, in that case I would say that transience would be more likely to kill a CPU, not low current. High voltages and high currents is what damages devices, not having too little.
The simple point is that low voltage + not enough current will not damage a device. It doesn't harm a transistor if the base doesn't reach its saturation point or anything. The problem is if the voltage is too high and it's over the transistor's breakdown voltage. The real thing to take away from this is that drdeathx is wrong.
Do you see cell phones failing (physically, not the battery.) because you let the battery fully discharge? Common, this argument is really kind of ridiculous.
Voltage regulators keep the voltage constant. Like W1zzard said, logic on the battery/phone will kill the power before causing physical damage.