You are correct ( my person views only ) about the private sector and consumer level self-healing. As an observation of self-interest and I don't have the cite source facts, look at the bridges and roads of the USA. Most bridges ( greater than 50% ) are in need of major repair ( read that in 2012, can't find the source ). We don't have enough qualified Bridge inspectors in the USA to look and write reports ( we have less than 100, and I am sure the report I read said 42 in the entire USA ).
Heck we need a huge amount of money to be spent on logistics repair and or replacements.
Read about the Brooklyn bridge, it was built with triple redundancy and that's what saved it when NY ran out of money for maintenance in the 70's and could only emergency maintenance. Imagine all those bridges built in the 50's and 60's, they need fixing.