I think you are over-generalising - I've seen a good few situations in which installing a combi boiler has seemingly good sense.
I don't disagree that they have their applications, just that I reckon these are significantly less than the number installed.
There is reason 3 for people fitting them. Developers so greedy to squeeze another shoebox (which an estate agent will later call a flat) into the space that they won't allow the few square feet of space required for a cylinder. IMO, where a new build has a combi, it is almost certainly a case of 3 - a greedy developer who doesn't give a s**t about whether the property is actually usable, only about how cheaply they can throw it together.
I've seen so many examples where a tiny extra outlay during build would have made a huge difference - but to do it later would be impractical or expensive to do later. In the block where I own a flat, they could so very easily have had a large cellar under the other two flats (mine has a garage under) and it would have cost very little to build in. It's impractical now as apart from digging out a large volume of infill, it would need to foundations lowering which is not easy or cheap under an existing building. So instead, the two flat have f**k all storage space instead of a large storage/utility space.
And several of the houses could easily have had garages.
OK, rant over !
Still doesn't alter the fact that with a combi, you are completely stuffed if the leckky goes off, the water goes off, or the gas goes off - hat trick. And you are completely stuffed when it breaks down.