If you put something together and don't stress-test its known potential weak points before calling it good, that is your loss. You don't change brake lines on a car and never test the brake lines until you get into an emergency braking situation at 80mph. You test it parked on the ground with both feet on the brake pedal and brake boost going, the most pressure those lines are ever going to see.1) If it have manufacturing defect and go bad day 1, there's no visual clues of that
2) If it wears out, there's no visual clues.
Users are perfectly safe as-is. It is only their $2000 GPUs and what may be in direct contact with the wires that might not.So what do you mean by monitoring isn't necessary? it is bloody present in 3090Tis, and AIB like ASUS have foreseen such issues are coming so they got that circuitry and software warning to try keep users safer, why on earth Nvidia is not obligated to do the same to consumer?
As I have written before, Nvidia ditched the 3090's 3x2 balance likely because their own engineering reports say balance issues affect so few cards overall that it isn't worth bothering with. The vast majority of balance issues are caused by bad or defective cables. Nvidia likely gets PSU/cable manufacturers to cover the bulk of RMA costs unless Nvidia's own adapters are involved, not much skin off their own back.
If AIBs want to add extra harware to make some buyers feel better, good for them and you. Ignore Nvidia's reference design if you disapprove Nvidia's design choices and buy one of those instead.