"Destroy their PC"? That's a little extreme.
I run four systems here 24/7, and even though I've had several fan failures, all the machines are alive and well. If you don't have any additional cooling and the P/S fan goes, it could take out the P/S, but that's a long ways from destroying the PC, it's just a replacement part. Most new PC's come with a monitor that will shutdown the system if the temperatures get too high, which will minimize the possibility of significant damage from overheating.