is a kernel panic supposed to happen if root fs is on a SCSI disk and SCSI support is compiled in as module?

[M.N.]

Basically, that's the question. I compiled my kernel with the SCSI AIC7xxx.o
driver as a module, and then when it booted up, it paniced. I thought it was
some sort of a kernel bug, but it didn't really seem that way when I
recompiled the kernel with SCSI support built-in in the kernel itself
(monolithically).  I'm just curious, does a _panic_ necessarily mean that
the kernel needs fixing, or can a panic be a result of something that the
user forgot to do which was required in order to avoid that panic?

Thanks.
Martin