Sigh. So in the end, it still comes down to caveman intuition.
"Steel strong. Steel not break. Witch doctor do bad magic on steel, make steel break."
The problem with caveman intuition in this case is that compared to everyday objects, large buildings are extremely weak and fragile in proportion to their own weight. "Able to support three times its actual normal load" might sound strong. But if everyday objects were made of components that were only able to support three times their actual normal load, they would be extremely fragile. They would break every time you tried to lift them, tilt them, or rest anything comparable to their own weight on top of them. Soup cans would have thinner walls at the top than the bottom (since the top has so much less weight to support) so stacking one on another would crush or distort the top half of the lower one. Stemware glasses would snap if you tipped them a few degrees off vertical (since that increases the stresses on the stem by a factor of way more than 3). A chair would fall apart if you tried to pick it up by its seat (since that puts significant tensile loads on parts that are normally only bearing miniscule or no tensile loads).
Buildings survive despite their extreme fragility because they stay put where they have evenly distributed support. (They're a bit like those medical cases where someone weighs 800 pounds and cannot get out of bed because their bones would break if they tried to stand.) We don't care that buildings aren't strong enough to be picked up, tilted, or stacked on one another because we don't need them to be. But once a building or a significant portion of a building does start moving, for whatever reason, suddenly the building is subjected to some of the same kind of insults an ordinary small-scale object is. Tilting, colliding, all kinds of forces in unplanned-for directions. (Kind of like if you forced the 800 pound guy to get out of bed and do cartwheels.) When that happens, a "three times" strength factor is not enough to make much of a difference.
"What is the riddle of steel? Steel is weak. Gravity is strong. What is steel, compared to the ground that supports it?" -- Thulsa Doom, if he'd been a structural engineer.
Respectfully,
Myriad