I rarely load my amps to the max (read: 2 ohms), and I routinely have multiple amps driving the same passband. If any amps were to fail at a show, I can easily patch some speakers around and still have the same rig up and running, albeit with a heavier load on an amp or several. The rig might even have to go mono. I don't think it's possible for many to have spare amps, especially when one of my amps costs $3000 and there is no cheaper replacement that I could use.
I've never had any component of any powered speaker fail, and I've probably owned around 50 so far (not many compared to some companies I know). And I've owned many amps - the only ones that have ever failed on me were the original, unmodified Crown IT series.
The guys at my company and I are constantly debating powered speakers vs passive, and I think I've finally decided on a solution: passive mains and powered monitors and fills. I like powered speakers' ability to plug in anywhere I need one, for a breakout room, a fill, monitor, or anything at all. The flexibility of powered is undeniable. My FOH sound systems are larger and are comprised of many more speakers, and since one amp can drive many speakers it makes sense to have the mains passive. Also, Fulcrum doesn't have powered speakers yet. Once they do, I may reevaluate. If I were to go powered with my mains, there would be an extremely limited number of speakers that would qualify, since I would require network audio input and network control...pretty much limiting me to JBL VP series as far as I know, with the Cobranet cards.