This is an interesting topic. I know a listed item is not supposed to catch fire if loaded to 100% (and perhaps even a bit more) but, as a guy who came from the "broken electronics" biz, I also know things used at the "red line" don't last very long even if they don't fail in a flaming conflagration, like a switchboard in the movies.
I do agree it is a design issue, not a code problem.
