I guess that others like me have found that we come across burnt out neutrals much more often than burnt out lines.. I certainly find burnt out neutrals on shower isolator switches, not too many RCDs or RCBOs though but I have come across the odd one or two..
I don't personally put too much faith in the idea that people don't tighten neutrals quite as much,,, I think that there must be some other reason however I don't know what it is.
As for who's going to pay the cost of replacement.... Have you ever seen a caravan box that's on fire? I have had one go up when I was on site and while we turned off the power and the fire went out pretty quickly we did find that the mobile home had scorch marks up the side...
For that reason we wired all the hook up boxes MCB - RCD instead of the more traditional RCD - MCB