Black holes in general relativity are commonly believed to evolve towards a Schwarzschild state as they gradually lose angular momentum and electrical charge under Hawking evaporation. However, when Kim and Wen applied quantum information theory to Hawking evaporation and argued that Hawking particles with maximum mutual information could dominate the emission process, they found that charged black holes tend towards extremality. In view of some evidence pointing towards extremal black holes being effectively singular, this would violate the cosmic censorship conjecture. In this work, we clarified the difference between the two models -they pertain to two different regimes. By taking into account the discreteness of the charge-to-mass ratio of finite species of charged particles, we also obtained a clearer picture of the end state of Hawking evaporation. We found that in agreement with the weak gravity conjecture, if there is no particle with charge-to-mass ratio q/m > 1, stable remnant states are formed, though they are non-extremal. Furthermore, and more surprisingly, we show that extremality can be reached if there exists a particle with q/m < 1, even in the presence of other particles with q/m > 1. This may explain why there is no charged particle with q/m < 1 in the Standard Model of particle physics. Cosmic censorship could thus play a bigger role in fundamental physics than previously thought.