Don't know what you base that on or maybe it works for you, but it sounds like rather a fatalistic approach. Or it might be true in your tanks or with some fishkeepers, but I've never had a fish die from heater malfunction, only time I've ever lost fish due to power outage (and we get them frequently) was when our power was out ten days after last year's derecho storm (during which over 90% of mine came through just fine) and my water quality is good and always has been.
On the other hand, it's very well documented in aquaculture science that good vs. poor nutrition can have a direct effect on growth, health, longevity, stress resistance, disease and pathogen resistance, etc.
And not to start something with anyone in particular, but for the record I've had more fish live, not just over 5 years, but over ten years than I can recount. Good food + clean water + a little common sense in tank size, tankmates, and a reasonable modicum of biosecurity and the odds are on your side.