> Programs, which allocate large amounts of memory without strict necessity to do so, are just a consequence of swap existence.

This. The ability to allocate large amounts of memory is due to memory overcommit, not the "swap existence". If you disable swap, you can still allocate memory with almost no restrictions.

> This is all handled automatically when you have swap enabled

And this. This statement doesn't make any sense. If you disable swap, kernel memory management doesn't change, you only lose the ability to reclaim anon pages.