What it comes down to is that if a drive was something like $15 more expensive, but had failure protection, the consumer market would simply not buy it. Right now we are really forced into making drives as cheap as possible and as fast as possible, with reliability being a lesser concern. This issue is mostly that once a single SSD company makes a less reliable, but faster and cheaper drive, they will outsell the companies that make the slower, expensive, reliable drives, so everyone has to follow suit.
There are lots of very reliable drives out there though - they are just made as enterprise drives. They will have better controllers, more reliable firmware, more over-provisioning, but will be much slower, and cost roughly double that of a consumer drive.