Right, I have it all worked out. Why overclockers never have any money:
1. Motherboard manufacturers.
Produce boards with a range of fsbs to allow easy overclocking, thus tempting people to overclock. Now often they will give you a nice number like 83mhz, allowing you to toast equipment like your HDD. The nicer manufacturers will give you a nice divider such as 1/2, so that you can run at 50mhz pci, and ensure complette failure of your hdds. Also fsbs come in big steps so you either overclock your CPU a pathetic amount... or a huge amount so that it results in toasting your cpu.
result - cpu melted onto the motherboard, hdd fried new cpu, new motherboard, new hdd
2. CPU manufacturers
nice overclockable cpus to tempt you to push them to the limit. so you do, ungforuneatley well beyond as well, to produce a small pile of ash. also brittle cores and small clips to allow easy snappage.
result - snapped and/or fried cpu new cpu
3. Cooling companies
complete with hefty clip which is 1mm too small, your new heatsink is guranteed to snap any core. also your new waterblock is warantied for producing moisture
result - dead hs, waterblock, pelt etc new mobo, cpu, hs, waterblock, pelt
Programs such as SETI encourage competetition so that people are more tempeted to push the limit and buy the hardware listed above. Resulting in systemwide failure.
result - dead system new mobo, cpu, hdd, ram, cooling, vid card
Everyone makes mistakes.
I create disasters
I've been overclocking a while now and have never ever had one of those problems that you mentioned, infact my hdd's ran fine at 83mhz, and dare i say it better??? I never have any money becase i either spend it on beer or un-needed computer parts, i mean who really needs 16 100mb network cards??? well i sure as hell dont but i got them!!! enough of my rants ive been called back into the asylum!!!