How do you react fast enough to a dead short to save a FET? Over current protection is one thing, a dead short takes out a FET (a few milli-ohms of ON resistance) before you can even detect it. Of course you can have elaborate circuitry to protect a FET driver pair as your power supply clearly has; on the other hand, the percentage of failures on the RCMC boards is LT 1%. There is only so much a design can implement from a practical costing standpoint. As they say, "can't boil the ocean"....
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