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Worst of all: if you package certified CE product... you need to certify the whole package too!!! Think about using some certified CE PC in a cabinet for example...

On the other side: if you forget ventilation in the cabinet, the certified PC might burn... so packaging CE certified components doesn't mean that the whole is risk-free

Worst of all: if you package certified CE product... you need to certify the whole package too!!!

Yes. This is a significant difference from the US, where FCC compliance testing for modules is much more reasonable.

The US also appears to contract out basic electrical safety to the insurance industry (Underwriter's Laboratories).

The NFPA writes the national electric code. They also came out of the insurance industry, and like UL and FM, predate adoption of their standards in regulation. FM is an actual insurance company but it is not OSHA. The history is similar to European organizations like the German TUeV, which came out of the boiler industry. All of them have their roots in disasters of the industrial revolution.

Governments today generally don't operate test laboratories, standards organizations, or certification bodies. DIN, ISO, IEC, BSI etc are not government organizations.

You're right, though, that there's more history of insurance industry involvement in developing safety standards and testing in the US.

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