I'm fairly sure it is because the atom has to be electrically neutral, and having the same number of positive and negative charges would even out. If it has an uneven charge, it would be classes as an 'ion'.
If there was a smaller amount of electrons, they would be attracted to the positive charge anyway, so it would regain the 'full set' to make it balanced.
But of course there are examples where an atom can have imbalanced numbers of neutrons, electrons and in some cases, protons.