You already answered your own question. SSDs ARE more reliable, because, they are more reliable. They don't have the same sort of common failure rates that flash media can tend to have sometimes. In reality, for anything important, you REALLY should have that data in AT LEAST two places at all times anyhow. So, flash media AND an SSD. Or, your primary drive AND a backup drive. Or any media AND a cloud backup, etc. Three locations, one of which is not in the same location as the rest of them, so, for example, a flash drive in your glove box or at work, so that if something catastrophic happens, like your house burns down, you don't lose all your backups at one time. Of course, with cloud backups, which are a sketchy proposition to me simply due to the number of intrusions that happen these days, you would still have another backup to draw from but even CDs, DVDs and BD disks are viable as one form of backup that can be kept in a fire proof safe or at another location, fairly easily.
As for the reason why, it's because PHYSICALLY the components used are relatively cheap in comparison to the type of memory used for solid state drives. Also, flash drives tend to get plugged and unplugged a lot, tossed down on the desk or table, other stuff dropped on top of it, and so on, which makes them a lot more susceptible to being damaged than a drive which is relatively well protected in an external enclosure or in your PC case.