I'm a design engineer, have been for 30+ years. So maybe I'm quicker than most to blame the engineer when I see a failure, since I see so much bad design in my line of work, that could have easily prevented many problems if handled better.
Speaking of loaders, short of corrosion or build issues, the goal of the design engineer should be a loader that can never be broken by the operator. Most loaders these days are designed for a specific tractor model, and so unlike the old days, the engineer knows the exact capacities and pressures involved. Simply don't specify a loader arm cross section that can ever fail within the breakout force limits of the hydraulics.
This isn't exactly rocket science, but it does require either a combination of very expensive FEA software and an engineer who's actually capable of using it properly, or a lot of testing and design iteration. Both of these represent large expenses to a smaller manufacturer, and may be only within the budget of some of the more premium brands. I see this everyday in my line of work, and in fact a large part of my business is offering such design services to manufacturers who cannot afford to support the cost of such software and staff capable of using it.
Yes, there will always be people who abuse their equipment. But given the huge brand image penalties of broken equipment showing up on internet forums, I'd be doing my damnedest to design something like a loader such that it can never fail under the loads to which it can be subjected on the machine for which it was designed.