I've heard it said:
"When the question is `Why is company X doing seemingly irrational
thing Y in their product design?', the answer is most commonly
`Money',"
Electrolytic capacitors are normally shipped, by their manufacturers,
in a plastic insulating jacket. It's the common method used to
insulate the cases against accidental shorts, and to allow convenient
marking (no separate marking process is required during manufacture,
since the markings are manufactured into the plastic).
Almost all "commodity" 'lytics are of this sort. If you want caps
with another sort of jacketing (even "none at all") you'd probably
have to special-order them, there would be far fewer possible sources,
and the cost per piece would end up being significantly higher.
There's immense price-pressure and competition in the electronics
manufacturing business, even for "pro gear". A matter of a few cents
per power supply can make the difference between a contract
manufacturer getting, or losing the bid. The manufacturers thus have
a *very* strong incentive to use standard parts... and, in fact, the
cheapest and lowest-rated ones which will allow the final supply to
pass its paper requirements (which may not include long-life survival
tests).
I've heard that it's quite common for overseas contract manufacturers
to covertly "down-rate" parts, after they win a bid... that is, the
specific caps and resistors and etc. that they stuff into the
production lots, may not be the same as the ones they stuffed into the
samples that they submitted. Unless you stand over 'em with a club,
and do a strict verification of what you receive, you may get
lower-quality subsystems than you had been originally offered. You
might even get counterfeit parts (e.g. cheap 85-degree-C caps, which
have been falsely labeled as 105-degree-C, or generic caps falsely
marked to indicate low-ESR, high-ripple-current ruggedness).
If the final system survives to the end of its warranty period, many
companies seem to feel that this is Plenty Good Enough, and brings in
additional revenue for repairs and replacements.