I'm not assuming anything. Most replies to this thread are blaming voltage spikes from the PSU. My response was intended to address this possibility.
If you read my FAQ, then you will understand that HDDs manufactured since 2005 have TVS diodes. The function of these Transient Voltage Suppression diodes is to suppress transient voltages, such as those from a failing PSU. If these overvoltages persist for more than a few microseconds, then they result in the failure of the associated TVS diode, usually via a short circuit. Some HDDs also have series protection devices (eg fuses, zero-ohm resistors, polyswitches), which is also explained in my FAQ.
In fact I am currently answering 4 TVS diode related questions in two other storage forums, and I have been doing so about 3 times per week, on average, over the past 4 years. My FAQ answers those questions which have been posed to me, either publicly or privately, perhaps 500 times during those 4 years. I have intentionally dumbed it down so that even a complete novice, who has never seen a multimeter or a diode, would be able to recover their own data. So I cannot accept that my FAQ is complex. In fact if I had dumbed it down any further, I would probably have offended people. However, I do accept that my FAQ is verbose (is that what you mean by "complex"?), but that's the nature of all FAQs.