I have to disagree. While I understand your unique situation, I have to mention that Sony has always provided you with the means to back up your data (most importantly save data). If you do not take advantage of that, then you cannot really fault them.
The PS3 system allows you to re-download all of your content 5 times. That means you would have to run through 5 different systems before you are SOL (unless you are foolishly gamesharing). Even then, you can still call Sony, and after some polite sweet talk you can get your system count rest for your PSN ID.
So, like I said, your situation certainly does stink, and is very unique, but for the every-man, Sony provides the means to aid in the occurance of a system failure. I've had 2 fail on me, one at the fault of my mother, the other at the fault of the console. Both times I had a backup that was recent enough that it was not an issue. Sure, it was somewhat of a hassle re-downloading the dozens of PSN games I have purchased over the years, but most of them I hadn't played in months anyway, so it wasn't a terribly huge issue.
I have the utmost of sympathy for your situation, but you shouldn't extrapolate that and then compare it to everyone. I just don't think it's universally applicable.
Also, it's a bit unfair to compare a PC to a PS3. A PC is pretty much designed for component swapping, upgrades, new mother boards, etc. The PS3 has an upgradable HDD. In the case of the PC, you have to have a significantly more "open" platform for your users, because of the nature of the hardware. With the PS3, you can remove some of those open ended charactersitics in place of some partially managable DRM. If PS3 were like PC, it would be very easy to have one person buy a lot of games via PSN, create a backup file, and then freely distribute it over the net, etc.
There are reasons the systems are put into place, It may suck for some, but generally it isn't a big problem. Hopefully everything works out for you man, I really really do hope it'all turns okay.