Actually, certain models of cooling devices, are notorious for
failing. And for good reasons.
On some AMD systems, the socket has three plastic tabs for the clip
to snap onto. And some genius heatsink designers, fit a "one-hole"
clip onto the plastic. And then apply extreme pressure on the clip.
After a couple years, the single plastic tab, snaps from the abuse.
There have also been cases, of some of the Intel plastic ones
snapping.
So it is possible for cooler parts to fail while in use, and
without mechanical shock being the reason for the failure. All
it takes, is plastic... and stress.
My current after-market cooler, uses screws and nuts. And I can
be reasonably assured it won't fall off.
The Northbridge cooler, is sometimes held in place with a
spring steel wire. And it hooks onto some U-shaped things
soldered to the motherboard. Due to the metal chosen for the
U-shaped thing, it doesn't solder well. (I have one design
here, that uses stainless steel for the hook, when a tin-lead
interface should have been used. They can pull out of the motherboard,
because of the lousy solder joint.) You can see an example
of a U-shaped thing, pulled out here.
http://sequimpc.com/images/IMG_1940.jpg