In no other high-end consumer product would that unreliability be tolerated. Why would you ever run your speakers at a volume that might blow them out depending on what the next bar of the song sounds like? Are you pre-screening every single bit of audio that will get played over your speakers? Otherwise, you should never run speakers at a borderline volume. This protection should be built in to the speaker. No matter how much volume you feed into a speaker, it should not break.

(Of course, you could feed always feed such an absurd amount of power that it would break even the protective circuits, but that ultimate vulnerability is just inherent in the nature of electronics).