Re: You'd still want compensating though.
@takuhii - that's what insurance is for. Is a tree falling on your power line "sh*tty infrastructure"? Do you really expect fully redundant paths of leccy into your house? Can you claim the same refund if you happen to be running a cryogenics bay in your house?
As for "what's different", all your examples were voluntary gestures of good will from the suppliers. They are obliged to do next to jack, other than a refund of the money you spent (but usually after a fixed amount - broadband is 5 days before contractual refunds kick in for example).
If you want to add in requirements for damages to a contract, you have to add it in up front, largely in order for the supplier to cost the contract accordingly. That's contract law and it exists for a reason.