Yes, basically fire. Too many house fires caused by loose and overheated connections that are not contained by the plastic enclosure. Metal enclosures have been mandatory for new installations since the UK 17th ed wiring regs. There are restrictions on fire exit paths through the top and rear of the enclosure, fire retardant gromets and glands, fire retardent caulk sealing etc.
* Many (most?) older UK homes have the mains feed coming in under the stairs, so have the consumer unit in the same place - directly under a wooden primary escape route! There are many videos on the subject. High drain items like high kW electric showers and EV chargers only make the problem worse.
Personally I think 'cage clamp' terminals are the primary culprit, particularly on the incomming supply tails into the consumer unit. Even when tightened to the correct torque, the thick 25mm
2 stranded tails will easly work loose under movement and thermal cycling. If people don't use the appropriate torque settins and torque screwdrivers, the problem is even worse. I think these are a definite step backwards compared to the old twin screw terminations, where the screws bear directly on the conductors and have 100% redundancy.
When we had our smart meter fitted a few years back, I purchased a Wylex double pole isolator switch (cage clamp) ready to ask the installer to fit in line between the Meter and consumer unit (to allow safe future replacement / maintenance). The installer took one look at it, went out to his van and returned with a double screw terminated isolator. He said there were too many problems with the tails loosening or even falling out with the cage clamp types. With a pair of screws tightened down hard on the cable in a constrained diameter terminal, there's no way that the cable will work its way out past the depressions over time.
I have similar concerns about the new-fangled 'Wiska' type maintenance free junction boxes, where the solid core wire is simply pushed under the sharp edge of a leaf spring (or lever action). Put a cable tie through the tags on the plastic box and stuff it under the floor and it becomes maintenance free. Has nobody else seen problems caused by push-in terminations inside flourescent light fittings. Maybe the metalurgy has improved, but let's see if the springs relax and start causing fires in 20-30 years time. They are effectively point contact connections.
P.S.
* I meant to comment on this on tom66's second CU in reply #44. That PE wire coming out of the top of the second CU really ought to have a flame retardent gromet (or at least a bit of intumescent caulk around it). The hole is too big to pass regs. Seeing some of the other installs drove it clean out of my head.