Get a 400mm post, so you'll have extra post inside the frame to compensate for the additional leverage the extra exposed post will give. Or buy a bike that fits you.
Not always easy. My bike fits, but it all depends on personal body type/shape/dimensions and the brand and model of bike that you like and want.
I have about 8 inches of seatpost showing and my steerer is uncut. If I had gone for a smaller size frame, the toptube would have been way too short and I'd have had a helluva lot of seatpost showing or, possibly, would have had to buy a longer seatpost, then the saddle to bar drop would have been a ridiculous amount. If I'd have gone a size larger, the bike would have been too big with minimal seatpost showing and the top tube/reach would have been too much, plus the standover height would have been non-existent.
Same with my missus' bike. She has minimal seatpost showing, maybe a few inches, but she needs less of a saddle to bar drop. This bike also came with an uncut steerer.
A lot of companies seem to go for a racier geometry/look/feel, where they have short steerers and thus doing so can use a generic length steerer for all, or at least most of their available bike sizes. I guess a lot of people just want to buy a 'Buy and Ride' bike, with no or minimal fettling but, as we all know, it's very rare that you can ride a bike straight out of the box. I'm sure that riser stems are a top seller because of this.