When you drop it, trip, fall down, falls off tailgate, etc. Actual field situations. Serious use. Accidents happen and polymer lowers break.
Except that I have dropped, and it's fallen off things (Hood of my truck, little half wall at the range). I've used one in actual field situations, and it works, and doesn't break.
Which is not to say I
couldn't break it. Hell I've seen people break Aluminium M16 lowers. Sure it'll break eventually. Possibly before an AL one. Dunno, Poly lowers these days are beefed up and thicker in the failure areas, so without testing them to failure it's hard to guess.
Also, sure I can find stories of Plum Crazy lowers breaking, as well as the Carbon 15 ones. I can also find stories of early M16's being unreliable. Designs got tweaked, and lots of those issues got fixed. Build what you want. I have metal and poly guns both. It just irks me when I see "It WILL break" with little data and no discussion of which design might be better or worse. [shrug] I'll let you guys know if mine breaks, then we'll have data.
As to the why: Weight, or ease of machining, like I said in my first response. I think most Poly lowers are actually MORE expensive then Al ones these days, what with the glut of AR parts. So unless you want the features that Poly can give you, it's probably not worth the cost. But those features are there.
Either way the OP can build whatever. That's what makes America great. I'm going to a buddies house to run a couple thousand rounds down range, and a bunch of them will be through my Poly AR-15 pistol. We'll do some running and shooting before Fireworks. (Fire works will include some Star Clusters from my RV85)
It DEFINITELY will not break.
Happy Fourth.