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The general opinion is that the excess current causes the switch to overheat, which in turn cause the switch and solder connections to break down.  Since I have never seen an actual switch prior to installation or after one has gone bad, I can't say.  Having worked in electronics and having done a lot of soldering, it is my opinion that most people don't know how to solder correctly.  I suspect the connections look like a cold solder joints from repeated heated and cooling.