How are they going to prevent move-outs and extend my occupancy? 

It might be worth talking to a lawyer but not sure if it's small claims or worth it.Also, you might already have all of these things but for future prevention:- smart thermostat (so you receive alerts when the inside temperature dips below whatever preset you have)- Minut (or similar device) would also alert you to the inside (and outside) temperatures; for example, I have 2 devices inside the house and outside on the hot tub deck.

They "what if" it to death and allow the fear of failure to prevent them from ever entering the game.

Also I don't think it's that clear that any of these tactics would actually prevent the bank from enforcing the due on sale. 

Same thing happened where I am in areas where there were fires that destroyed towns or in areas where hail storms are more frequent.As for blame, there is no point blaming anyone, just learn from what happened and try to prevent it again (not fires because they will happen, but things like running out of water) or reduce the damage if it does happen again at that scale. 

Restrictions are placed to prevent potential buyers from acquiring those properties before they are disposed of by banks.

What specifically did you expect them to do to prevent them?

If multiple people chose another house for the same reason or avoided yours for the same reason, maybe you can pivot a little to prevent that issue being a factor for future prospective renters. 

Oh bud, I think it would do that we’re gonna need lender’s consent as well and that’s what I’m trying to prevent, but maybe they do it under them handle that part and then after the fact transfer it. 

I personally feel that it is a liability people could use as an excuse for an accident they have if they are drunk.