Imagine if you look you'll see this is not the case. For instance, the lower shelf of Toller's sofa table, made with a single board of butternut, if tightly held between the legs has a 50/50 chance of popping or loosening the joinery as it expands beyond its ability to compress what holds it and itself. Simple remedy is good woodworking, either pinning center on the cross-grained rail and floating both ends with a sixteenth gap by making oversize holes for the pocket screws, or realizing that there will be a front - where the drawers open - and a rear, pinning flush to the leg at the front, floating the center and rear, allowing the full eighth expansion where it's not noticeable.
Using your example of frame and panel construction, which, I assume, you know is designed to maintain virtually constant exterior dimension through changes in MC, you always want to finish the panels prior to framing them, because they can shrink and reveal bare wood at their edges. If made too large when dry, they can find the weakest glue joint in the frame and destroy it, or finding themselves the weaker, compression set their fiber and develop a rattle. A competent woodworker anticipates and compensates for all these.
I'm sure you've seen your share of tables with split tops (and chairs with split seats) which were restrained without regard for wood movement, as well as those with ears from having well-varnished tops and virtually finish-free bottoms. Then there are the open corners on mitered wood ... the list is endless. It's never been my objective in woodworking to emulate the shoddy manufacturing processes of commercial work. Therefore I use techniques designed to accommodate future movement.