The bar for the ride is adjustable. Saying that fighters and monks can't kill anything, when clearly they can, is false on its face. A decent DM can compensate for a Fighter, Monk, Ninja, Healer party a LOT more easily than he can make challenging but not overwhelming encounters for a Wizard, Archivist, Druid, Beguiler party. The main reason for this is that the DM knows EXACTLY what the low-op party can do on a given day.
It doesn't require it, but it is a common result. If my group regularly breezes through CR+2-3 enemies, and I start throwing CR+4-5 enemies at them to compensate, it is likely that the attacks that they generate are one shot kills against characters 4-5 levels lower than they were expected to fight.