Let me give you a different persepctive on this. On British roads every day, there are hundreds of loads in three classes that are notoriously unstable, and even the most experienced and skilled HGV driver hates them. They are loaded correctly, but I will qualify that by saying loaded as far as the design of the vehicle allows. I personally have driven all three and never had a problem, but I know of many instances that those same loads have bitten drivers, seldomly fatally but it has happened. The loads travel safely every day until an unexpected force is applied. It could be an adverse camber in the road, ruts in the slow lane, though this isnt usually a culprit, a sudden side wind or the driver being suddenly forced to swerve. I doubt you or any non HGV driver would be able to tell me what those loads are, and it isnt a quiz, so here they are. They may surprise you.
Hanging meat. It is loaded from hooks and rails, the slightest lateral force sets this stuff swinging, and when you are talking many tons of the stuff, well, you know the rest.
Some, milk, beer and other foodgrade tankers. Some of these tankers do not (god knows why), have baffles in them. When the driver drops a half load and travels onwards, the load begins to slosh about, the same effect as when you move back and forth in the bath. Forwards and backwards is uncomfortable, side to side potentially lethal.
CemSave. This is an extremely fine powdered iron, added to cement to produce a harder surface for example factory floors. It is so fine it is almost liquid. If you drop a coin in the stuff, you see ripples, and it is truly awful stuff. You can drown in it. It is more active for want of a better word than most fluids, and again, this stuff usually travels in tankers without baffles. It is usually pumped into silos from tipper tanks, but nowadays, there are of course tankers that empty from the belly rather than tip, though both are pressurised
That last category is probably responsible for most tanker accidents. However, as I said, to the best of the design these are all correctly loaded, yet can be upset in a heartbeat by an unexpected lateral force. I still maintain this can and does happen to a lesser degree in caravans.