Remember to use washers and not over tighten

[Peter Matteson]

Thats what happens when you use the wrong fastener for that function.

You should use Riv-nuts/Rivet-nut/Clinch nuts in that type of situation to prevent that possibility of that happening. In industry that is called mistake-proofing because the failure is inherently by design.

http://www.mcmaster.com/#standard-rivet-nuts/=g6da7w

Also as an FYI don't use washers unless you have to. You can simply use flanged head bolts that have a washer face built in. This prevents accidentally omitting the washer and the possibility of losing the washer and creating foreign object damage.

This is almost exclusively what we use for this reason:
http://www.mcmaster.com/#button-head...screws/=g6dcjh