So admitting that the Ryzen CPU WILL burn out - even without the motherboard shenanigans. Is this called "Heritage Mode" by chance - because the Athlon XPs loved to burn up. Some things never change.
This is why AMD keeps AM4 around - since it's CPUs WILL burn out at some point - and need to be replaced. All makes sense now.
If you read the link that goes to hwinfo .com you will see that this is the motherboard vendors doing it, not AMD. Specifically named was MSI. It looks like another user reported their Gigabyte board doing it.
I doubt AMD thought to themselves in early/mid 2016 "You know what? MSI is going to juice our processors in 2020, so we better build AM4 to last!"
Separately I had a thought about running processors on the hot side, albeit at stock ratings.
Personally, I keep a spare processor on hand. I run my processors fanless, with massive heatsinks in order to get 100% silence. No fans, fanless power supply, everything. Even at full load I rarely go above the mid-hi 40C range. As I type this it's just under 20C.
Processors get cheap fairly quickly on Ebay, after a few years. So that its said, I hope the motherboard vendors issue a BIOS update to correct this, now that they have been caught and called out.