It is impossible for the CPU (without architectural changes, e.g. stack segment) and kernel to provide expected behavior in the general case. They do not know

It is impossible for the CPU (without architectural changes, e.g. stack segment) and kernel to provide expected behavior in the general case. They do not know whether the userland process is trying to use the stack or just access some other mapped region. Indeed, as long as these accesses do not land upon unmapped space (or space mapped with permissions that conflict with the access), the kernel doesn't have any idea what's going on.