I have lived in Spain for the last two years and observed the luck of maintenance in a lot of things.

For example, people typically pay for house/apartment insurance. But insurance companies never send a person to check for things like leaking pipes or whatever. Rather they simply wait until an accident happens and dispatch an emergency crew and cover a lot of damage that could be easily prevented. Then people tolerate non-trivial damage to homes/apartments like leaky roof not reporting it to insurance companies for weeks.

Then with cars people often do not follow the maintenance schedule and insurance companies do not ask for that. Typically people drive until damage happens due to a minor accident or maintenance are forced by state required technical inspection once in few years. The car companies even offer free maintenance checks as a part of guarantee but people skip even that.

Yet when someone spends efforts to complain, thinks do gets done. For example there a city service to remove graffiti on public areas. If one files a complain, they react and remove the graffiti. However sometimes one needs to send a complain twice.

I think you are describing how the entire world works. I have lived in 3 western European countries through my life, and they all work this way.

Never I had the pipes in my home inspected, even now that I live in areas where it freezes regularly.

Never has anyone (not even my insurance) forced me to follow any particular maintenance schedule (albeit I'm quite sure somewhere in the fine print it will read that if the accident is because of poor maintenance they'll just ignore the claim).

Here the city service to remove Graffiti is almost overnight, and works better than many other public services...