Woman bumped from flight, misses 10K dream cruise

they base their own scheduling on their own estimates
so it's pretty clear that the airlines reasonably assume that they're going to land when they say they will
since they are the ones with all of the data supporting their assumptions, why are we the idiots for relying on their say so?

You answered your question in your post. They reasonably assume that. Anytime an ETA is given, it's based on perfect circumstances. All it takes is one flight delay, or one little thunderstorm, and it throws everything off schedule. That's why it's an estimate, and there are no guarantees.