As the HDDs have mechanical parts they will always eventually fail. To respond with a definitive answer on why they fail within a certain time frame, there are too many variables to give an accurate answer. BUT there are certain steps you can take to protect yourself, ensure the environment they work within is ideal - correct Air Con, No Vibration, etc.
Expect all hardware you rely on to fail once out of warranty, that way you will take NO RISK. Only purchase hardware with acceptable warranty, some companies will also provide extended warranty when the manufacturer will not (Great for Servers). Finally get yourself a good supplier you trust and a single point of contact ideally. The problem with purchasing stuff from different suppliers or even worse as cheap as possible off the net, this doesn't provide you with the singe point of contact when things go wrong.