> But trees encroach on power lines all the time.  I can look out my window 
> and see half a dozen...

You have one of these outside your window? o_O

http://www.idonohoe.com/biking/gallery/pylon.jpg

If you mean the low voltage cables on wooden poles that are much closer to 
the ground, then maybe those ones are insulated (we don't have many of those 
here, the cables mostly go underground once they come off the pylons)?  They 
don't have to go long distances so the extra cost is probably justified by 
the high risk of stuff hitting them.

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