You're suggesting every consumer physically disassemble and inspect every device they purchase (after acquiring sufficient training to do so in a meaningful way)?
I'm not at all sure what you expect someone to do about a lightning strike...
Lighting rods do help, but I think you're dramatically underestimating the power and unpredictability of lightning.
As far as "minimal damages" go, as long as we're not building our houses (and everything in them) out of material that cannot catch fire, house fires due to faulty appliances will be a fact of life.
I'm not at all sure what you expect someone to do about a lightning strike...