At least this senario usually does not imobilise the car. The caliper holds the disk in position and the hat or hub component rotates freely.
The cause from my perspective is the very deep hat portion plus the thinness of the lower portion of the disk at the casting transition. The deep hat may flex a little as well with the torque when braking. Sometimes a chunk of the hat will break away and fall off the car.
I never investigated different rotor brands to see if the casting was a little thicker on some brands in the transition area. I still suspect the primary problem to be possible torque flex transition movement as the hat portion is so deep. It probably uiltimatly just fatigues out.