> How does anyone on the stack above handle this error?
For a web application, you respond to the request with 5xx error.
Applications do many things. A degraded state (e.g. a single endpoint being broken) is often preferable to a full crash. It's very little effort to opt in to panics by calling unwrap(). It's a lot of effort to recover from panics. Let me, as the caller, make that decision.