It's a matter of scale. High voltage/current circuits use large surge protection circuits, but the small stuff suffers from surges too, and are less able to deal with them. When the module is turned on it acts as a short circuit for a short time. Short circuit = infinite current, or at leaast as much as the source can provide.
Think about it. It doesn't matter how large or small the circuit is, over-current damages parts. The part may not blow on the 1st or 10,000th turn-on, but the damage is incremental. Sometimes I wish that the component did blow on the first overload. The options are decreased performance and reliability.
Manufacturers don't put inrush protection in small stuff for the simple and sole reason that it decreases profit.