Capacitors like electrolytic and tantalum types have polarity due to their construction and the chemical processes involved in storing charge. When reverse-bias voltage exceeds 1 to 1.5 V, it can damage the dielectric layer, leading to short circuits and potential explosions. The charge storage mechanism in polarized capacitors relies on electrolytic chemistry, necessitating a specific positive and negative terminal. Improper connections can result in catastrophic failures, as evidenced by personal experiences of explosions when connected incorrectly. Understanding these characteristics is crucial for safe and effective use of polarized capacitors.