It is all about risk mitigation. When building for long term use and safety, scenarios like a short from something falling are designed away.
Think super cheap insurance. And liability management. People can perform to code and that compartmentalizes damages and responsibilities. Couple that with licenses and it's all public safety oriented.
All of it adds up.
Where risk is higher, say in the parent example, yes. By all means use a product intended to manage those risks.
Costs are marginal otherwise, might as well take the cheap insurance.