That is your opinion. It is not supported by real world practical usage.
Real world practical usage? Srsly?
Even a power-user with higher than usual demands for data movement has to work really hard to exceed TLC's TBW within that "limited warranty". You've got to be either an obsessive pirate, or do some out of the ordinary stuff, like editing 4K raw footage for your
pornhub youtube channel.
I don't think in my entire career I've seen a consumer SSD that died by exceeding it's TBW. It's usually mundane things like dead controller, or defective NAND that may crumble at any point of its lifetime.
Just this morning got another stupid 240GB Kingston which one of my less intelligent colleagues decided to use in an accounting server. Less than 1TBW and less than 2TBR, only 13k hours of service(~1.5years) and it's dead. 100+ bad sectors on one of the banks, already locked in read-only mode and barely breathing just to make a backup (which is still lucky, considering it's kingston we are talking about).
If anything, I've only seen one drive that exceeded its TBW, and it was not a typical SSD, but a mini-mag cartridge from RED camera which was used for a couple of years to shoot lots of shitty cookie-cutter CSI-style TV shows. And it's still an edge-case, enforced by the fact that it's only rated for 72TBW regardless of size or the fact that it's 2-bit MLC. And it still died from controller failure, not from NAND failure.
Oh I don't know... For perhaps profit?
Yeah let's go with that.
Again, counterarguing assumption with another assumption. Profit is just one little part of the equation, and it usually has the opposite effect.
The biggest one is risk management. So, if a manufacturer has a new model of SSD, they have stats on average failure rates, and a ballpark numbers for balancing price and warranty length. E.g. just an example the same drive design may have a 0.5% failure rate at 3 years and 1% rate at 5 years. So, depending on the brand's public image and target audience, you can either sell it at lower cost w/ 3 year warranty, or balance-out an additional 0.5% by bumping its price and using a fancy box.
Nowadays, with Chia and everything, they might start enforcing a totally arbitrary metric as DWPD to "limit" their "limited warranty", but until that happens, I as a consumer shouldn't really care if I exceed TBW 1 year or 5 years down the road, if it does not violate their current conditions. If it's rated for 640TBW or 5 years - it should last 640TBW or 5 years.
Doubt it, running a video card 24/7 will reduce it's lifespan quicker than intermittent gaming. It's not the GPU that dies, it's the VRM, caps, memory chips, etc and those are rated for a certain amount of hours.
Components have varying lifespan depending on operating conditions.
In a gaming rig you have things like:
1) Higher PL and consequently Vcore
2) Much higher operating temps during load, and usually lackluster cooling
3) Thermal stress, cause your GPU goes from off to full-on every single day
The only thing that mining may do, is abuse Vmem circuitry, and only if it's done like shit. That's a typical failure on EVGA 10-series cards, but it happens only slightly more often than in your typical "gaming" scenario. Another exception is a hot garbage "ASUS Cerberus", which has no VRAM cooling at all and will eventually die or start spewing artifacts regardless of where it's working and what it's doing. Other than that, all the scary stories you see and hear on the internetz, is idiots running ETH farms at or near 100% PL and max GPU/VRAM clocks regardless of consequences (and very questionable performance benefits).