The thing is that before the handle tie requirement, the breakers could be scattered here and there. An installation mistake is easier to make and put both legs on the same 120V and overload the neutral. No one will ever know if those cirucits are lightly used. Or maybe, the house burns down if they are heavily used. Secondly, absent handle ties (or common trip), the neutral is a shock hazard for a person servicing anything in the house. The neutral could have current on it despite turning off the "right" breaker for whatever is being serviced. On top of that, is generally poor panel labeling, so don't depend on anyone leaving bread crumbs to follow. The handle tie (or common trip) makes installation mistakes less likely and also makes the future servicing safer.