PostgreSQL has three "system" databases: postgres, template0, and template1. I'm pretty sure all of them can be dropped. (You might want to test this in a virtual machine.) I'm certain that postgres and template1 can be dropped by a privileged user. By default, template0 doesn't accept connections.
Having said that, the main purpose of "postgres" is to give you a database to connect to.
The postgres database is also created when a database cluster is
initialized. This database is meant as a default database for users
and applications to connect to. It is simply a copy of template1 and
can be dropped and recreated if necessary.
So it's a reasonable assumption, but not a bullet-proof assumption. I can imagine some paranoid (careful) shops might drop "postgres" and use a different database as their internal default in case their server were compromised. That's kind of like using a non-default port for SSH.
template0andtemplate1, but these could be removed or denied access to)