I have read the statement Expectation of two independent variable X and Y E(XY)=0. How to prove it?

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I know that if X and Y are independent variables then the expectation value of X and Y i.e $ E(XY)=E(X).E(Y).$ But then the expectation value will be equal to zero only when either of them i.e $E(X) or E(Y) $ is zero. Also, I have read somewhere that each term averages out to zero. But this can happen only for certain datasets/distributions right? How to generalize this?

This concept is frequently used while deriving standard deviation of sampling standard deviations, also in statistical mechanics where we drop cross terms averages.

Derivation of variance of sample variance distribution